Side-by-side · Q2 2026 data
Farmers State Bank & Trust Co. vs Citizens Bank & Trust Company
Metric by metric
| Measure | Farmers State Bank & Trust Co. | Citizens Bank & Trust Company |
|---|---|---|
| TellerScore | 56 (stronger) | 41 |
| Capital cushion | 41 | 61 (stronger) |
| Loan quality | 8 (stronger) | 0 |
| Earnings | 97 (stronger) | 45 |
| Funding & liquidity | 100 (stronger) | 84 |
| Problem-loan coverage | 70 (stronger) | 15 |
| Peer percentile | 13th | 3rd |
| Total assets | $174.7M | $183.7M |
| Deposits / shares | $159.7M | $162.2M |
| Capital ratio | 9.10% | 11.14% (stronger) |
| Problem loans | 2.76% (stronger) | 7.15% |
| Net charge-offs | 0.13% (stronger) | 0.20% |
| Return on assets | 1.93% (stronger) | 0.63% |
| Loans ÷ deposits | 50.7% (stronger) | 70.3% |
| Uninsured deposits | 15.2% (stronger) | 20.1% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.0% | — |
Farmers State Bank & Trust Co. has the higher TellerScore (56 vs 41). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank & Trust Co. leads on 6 and Citizens Bank & Trust Company on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.