Side-by-side · Q2 2026 data
Farmers State Bank vs North County Savings Bank
Metric by metric
| Measure | Farmers State Bank | North County Savings Bank |
|---|---|---|
| TellerScore | 33 | 68 (stronger) |
| Capital cushion | 32 | 35 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 42 (stronger) | 37 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 3 | 100 (stronger) |
| Peer percentile | 2nd | 33rd |
| Total assets | $66.9M | $63.2M |
| Deposits / shares | $58.5M | $57.9M |
| Capital ratio | 8.18% | 8.45% (stronger) |
| Problem loans | 4.30% | 0.00% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.04% |
| Return on assets | 0.56% (stronger) | 0.42% |
| Loans ÷ deposits | 57.7% | 48.9% (stronger) |
| Uninsured deposits | 10.3% | 4.4% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
North County Savings Bank has the higher TellerScore (68 vs 33). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 2 and North County Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.