Side-by-side · Q2 2026 data
Farmers State Bank vs Liberty Bank
Metric by metric
| Measure | Farmers State Bank | Liberty Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 86 |
| Capital cushion | 100 (stronger) | 72 |
| Loan quality | 92 | 95 (stronger) |
| Earnings | 76 | 87 (stronger) |
| Funding & liquidity | 67 | 90 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 92nd | 90th |
| Total assets | $339.8M | $193.9M |
| Deposits / shares | $285.8M | $167.4M |
| Capital ratio | 15.02% (stronger) | 12.21% |
| Problem loans | 0.23% | 0.14% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 1.40% | 1.67% (stronger) |
| Loans ÷ deposits | 89.0% | 70.5% (stronger) |
| Uninsured deposits | 19.2% | 10.1% (stronger) |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | — |
Farmers State Bank has the higher TellerScore (88 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 3 and Liberty Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.