Side-by-side · Q2 2026 data
Farmers Savings Bank vs Citizens Community Credit Union
Metric by metric
| Measure | Farmers Savings Bank | Citizens Community Credit Union |
|---|---|---|
| TellerScore | 46 | 88 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 0 | 76 (stronger) |
| Earnings | 50 | 87 (stronger) |
| Funding & liquidity | 48 | 79 (stronger) |
| Problem-loan coverage | 57 | 95 (stronger) |
| Peer percentile | 5th | 92nd |
| Total assets | $215.3M | $253.6M |
| Deposits / shares | $173.7M | $201.9M |
| Capital ratio | 12.59% | 19.14% (stronger) |
| Problem loans | 3.48% | 0.73% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.76% |
| Return on assets | 0.75% | 1.69% (stronger) |
| Loans ÷ deposits | 99.0% | 81.1% (stronger) |
| Uninsured deposits | 27.0% | 5.0% (stronger) |
| Offices | 3 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Community Credit Union has the higher TellerScore (88 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Farmers Savings Bank leads on 1 and Citizens Community Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Spirit Lake, IA