Side-by-side · Q2 2026 data
Farmers State Bank & Trust Co. vs Liberty Bank
Metric by metric
| Measure | Farmers State Bank & Trust Co. | Liberty Bank |
|---|---|---|
| TellerScore | 73 | 86 (stronger) |
| Capital cushion | 44 | 72 (stronger) |
| Loan quality | 89 | 95 (stronger) |
| Earnings | 76 | 87 (stronger) |
| Funding & liquidity | 84 | 90 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 53rd | 90th |
| Total assets | $130.2M | $193.9M |
| Deposits / shares | $117.9M | $167.4M |
| Capital ratio | 9.37% | 12.21% (stronger) |
| Problem loans | 0.33% | 0.14% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 1.41% | 1.67% (stronger) |
| Loans ÷ deposits | 76.0% | 70.5% (stronger) |
| Uninsured deposits | 14.5% | 10.1% (stronger) |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Liberty Bank has the higher TellerScore (86 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank & Trust Co. leads on 1 and Liberty Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.