Side-by-side · Q2 2026 data
Farmers State Bank vs State Street Bank and Trust Company
Metric by metric
| Measure | Farmers State Bank | State Street Bank and Trust Company |
|---|---|---|
| TellerScore | 88 (stronger) | 77 |
| Capital cushion | 100 (stronger) | 50 |
| Loan quality | 92 (stronger) | 87 |
| Earnings | 76 | 100 (stronger) |
| Funding & liquidity | 67 | 71 (stronger) |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 92nd | 68th |
| Total assets | $339.8M | $357.1M |
| Deposits / shares | $285.8M | $315.5M |
| Capital ratio | 15.02% (stronger) | 9.99% |
| Problem loans | 0.23% (stronger) | 0.39% |
| Net charge-offs | 0.01% (stronger) | 0.10% |
| Return on assets | 1.40% | 2.40% (stronger) |
| Loans ÷ deposits | 89.0% | 88.8% (stronger) |
| Uninsured deposits | 19.2% | 9.6% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | — |
Farmers State Bank has the higher TellerScore (88 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 4 and State Street Bank and Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.