Side-by-side · Q2 2026 data
Farmers State Bank vs Austin Capital Bank SSB
Metric by metric
| Measure | Farmers State Bank | Austin Capital Bank SSB |
|---|---|---|
| TellerScore | 89 (stronger) | 67 |
| Capital cushion | 94 (stronger) | 52 |
| Loan quality | 80 | 90 (stronger) |
| Earnings | 100 (stronger) | 58 |
| Funding & liquidity | 79 (stronger) | 50 |
| Problem-loan coverage | 92 | 94 (stronger) |
| Peer percentile | 94th | 34th |
| Total assets | $391.5M | $395.4M |
| Deposits / shares | $335.0M | $308.4M |
| Capital ratio | 14.41% (stronger) | 10.22% |
| Problem loans | 0.59% | 0.30% (stronger) |
| Net charge-offs | -0.09% (stronger) | -0.01% |
| Return on assets | 2.05% (stronger) | 0.95% |
| Loans ÷ deposits | 68.0% (stronger) | 110.1% |
| Uninsured deposits | 26.9% | 13.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank has the higher TellerScore (89 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 5 and Austin Capital Bank SSB on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.