Side-by-side · Q2 2026 data
Farmers State Bank vs Scott Credit Union
Metric by metric
| Measure | Farmers State Bank | Scott Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 51 |
| Loan quality | 92 (stronger) | 82 |
| Earnings | 76 (stronger) | 65 |
| Funding & liquidity | 67 | 83 (stronger) |
| Problem-loan coverage | 96 (stronger) | 93 |
| Peer percentile | 92nd | 62nd |
| Total assets | $339.8M | $1.9B |
| Deposits / shares | $285.8M | $1.6B |
| Capital ratio | 15.02% (stronger) | 10.14% |
| Problem loans | 0.23% (stronger) | 0.54% |
| Net charge-offs | 0.01% (stronger) | 0.97% |
| Return on assets | 1.40% (stronger) | 1.14% |
| Loans ÷ deposits | 89.0% | 77.7% (stronger) |
| Uninsured deposits | 19.2% | 6.8% (stronger) |
| Offices | 6 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | 23.3% |
Farmers State Bank has the higher TellerScore (88 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 5 and Scott Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.