Side-by-side · Q2 2026 data
Farmers State Bank vs Community State Bank
Metric by metric
| Measure | Farmers State Bank | Community State Bank |
|---|---|---|
| TellerScore | 72 | 76 (stronger) |
| Capital cushion | 62 | 67 (stronger) |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 77 (stronger) | 74 |
| Funding & liquidity | 23 | 52 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 66th | 80th |
| Total assets | $1.6B | $1.7B |
| Deposits / shares | $1.3B | $1.3B |
| Capital ratio | 11.20% | 11.67% (stronger) |
| Problem loans | 0.01% (stronger) | 0.19% |
| Net charge-offs | 0.01% | -0.01% (stronger) |
| Return on assets | 1.41% (stronger) | 1.34% |
| Loans ÷ deposits | 102.8% | 101.2% (stronger) |
| Uninsured deposits | 46.0% | 21.7% (stronger) |
| Offices | 8 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | 5.6% |
Community State Bank has the higher TellerScore (76 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 2 and Community State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.