Side-by-side · Q2 2026 data
Farmers State Bank vs Lincoln Savings Bank
Metric by metric
| Measure | Farmers State Bank | Lincoln Savings Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 27 |
| Capital cushion | 62 (stronger) | 41 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 77 (stronger) | 0 |
| Funding & liquidity | 23 | 72 (stronger) |
| Problem-loan coverage | 100 (stronger) | 36 |
| Peer percentile | 66th | 0th |
| Total assets | $1.6B | $1.7B |
| Deposits / shares | $1.3B | $1.5B |
| Capital ratio | 11.20% (stronger) | 9.12% |
| Problem loans | 0.01% (stronger) | 4.32% |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 1.41% (stronger) | -1.02% |
| Loans ÷ deposits | 102.8% | 79.0% (stronger) |
| Uninsured deposits | 46.0% | 23.5% (stronger) |
| Offices | 8 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | 7.5% |
Farmers State Bank has the higher TellerScore (72 vs 27). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 4 and Lincoln Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.