Side-by-side · Q2 2026 data
Farmers State Bank vs Bank of Calhoun County
Metric by metric
| Measure | Farmers State Bank | Bank of Calhoun County |
|---|---|---|
| TellerScore | 88 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 47 |
| Loan quality | 92 | 92 |
| Earnings | 76 (stronger) | 63 |
| Funding & liquidity | 67 | 94 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 92nd | 51st |
| Total assets | $339.8M | $99.5M |
| Deposits / shares | $285.8M | $89.7M |
| Capital ratio | 15.02% (stronger) | 9.72% |
| Problem loans | 0.23% (stronger) | 0.23% |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 1.40% (stronger) | 1.07% |
| Loans ÷ deposits | 89.0% | 58.4% (stronger) |
| Uninsured deposits | 19.2% (stronger) | 20.7% |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | 0.0% |
Farmers State Bank has the higher TellerScore (88 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 5 and Bank of Calhoun County on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.