Side-by-side · Q2 2026 data
Farmers State Bank vs Prairie State Bank and Trust
Metric by metric
| Measure | Farmers State Bank | Prairie State Bank and Trust |
|---|---|---|
| TellerScore | 88 (stronger) | 80 |
| Capital cushion | 100 (stronger) | 74 |
| Loan quality | 92 (stronger) | 83 |
| Earnings | 76 | 83 (stronger) |
| Funding & liquidity | 67 | 75 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 92nd | 77th |
| Total assets | $339.8M | $840.1M |
| Deposits / shares | $285.8M | $730.2M |
| Capital ratio | 15.02% (stronger) | 12.39% |
| Problem loans | 0.23% (stronger) | 0.52% |
| Net charge-offs | 0.01% (stronger) | 0.04% |
| Return on assets | 1.40% | 1.58% (stronger) |
| Loans ÷ deposits | 89.0% | 74.9% (stronger) |
| Uninsured deposits | 19.2% (stronger) | 24.3% |
| Offices | 6 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | 3.9% |
Farmers State Bank has the higher TellerScore (88 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 5 and Prairie State Bank and Trust on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.