Side-by-side · Q2 2026 data
Farmers State Bank vs Homeland Community Bank
Metric by metric
| Measure | Farmers State Bank | Homeland Community Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 67 |
| Capital cushion | 76 (stronger) | 35 |
| Loan quality | 72 | 88 (stronger) |
| Earnings | 51 | 56 (stronger) |
| Funding & liquidity | 85 | 93 (stronger) |
| Problem-loan coverage | 90 | 92 (stronger) |
| Peer percentile | 53rd | 34th |
| Total assets | $232.6M | $244.1M |
| Deposits / shares | $194.3M | $227.2M |
| Capital ratio | 12.63% (stronger) | 8.46% |
| Problem loans | 0.83% | 0.36% (stronger) |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 0.77% | 0.91% (stronger) |
| Loans ÷ deposits | 75.1% | 59.8% (stronger) |
| Uninsured deposits | 9.2% (stronger) | 21.6% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank has the higher TellerScore (73 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 3 and Homeland Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.