Side-by-side · Q2 2026 data
Farmers State Bank & Trust Co. vs State Bank & Trust Company
Metric by metric
| Measure | Farmers State Bank & Trust Co. | State Bank & Trust Company |
|---|---|---|
| TellerScore | 56 | 74 (stronger) |
| Capital cushion | 41 | 56 (stronger) |
| Loan quality | 8 | 85 (stronger) |
| Earnings | 97 (stronger) | 80 |
| Funding & liquidity | 100 (stronger) | 73 |
| Problem-loan coverage | 70 | 93 (stronger) |
| Peer percentile | 13th | 57th |
| Total assets | $174.7M | $165.1M |
| Deposits / shares | $159.7M | $145.3M |
| Capital ratio | 9.10% | 10.63% (stronger) |
| Problem loans | 2.76% | 0.46% (stronger) |
| Net charge-offs | 0.13% | -0.05% (stronger) |
| Return on assets | 1.93% (stronger) | 1.50% |
| Loans ÷ deposits | 50.7% (stronger) | 78.8% |
| Uninsured deposits | 15.2% (stronger) | 22.4% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.0% | — |
State Bank & Trust Company has the higher TellerScore (74 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank & Trust Co. leads on 3 and State Bank & Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.