Side-by-side · Q2 2026 data
Farmers State Bank vs Southside Bank
Metric by metric
| Measure | Farmers State Bank | Southside Bank |
|---|---|---|
| TellerScore | 89 (stronger) | 75 |
| Capital cushion | 94 (stronger) | 64 |
| Loan quality | 80 | 94 (stronger) |
| Earnings | 100 (stronger) | 74 |
| Funding & liquidity | 79 (stronger) | 50 |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 94th | 77th |
| Total assets | $391.5M | $8.8B |
| Deposits / shares | $335.0M | $6.2B |
| Capital ratio | 14.41% (stronger) | 11.43% |
| Problem loans | 0.59% | 0.19% (stronger) |
| Net charge-offs | -0.09% (stronger) | 0.02% |
| Return on assets | 2.05% (stronger) | 1.35% |
| Loans ÷ deposits | 68.0% (stronger) | 79.4% |
| Uninsured deposits | 26.9% (stronger) | 42.8% |
| Offices | 5 | 55 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 42.2% |
Farmers State Bank has the higher TellerScore (89 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 6 and Southside Bank on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.