Side-by-side · Q2 2026 data
Farmers State Bank vs Farmers Trust & Savings Bank
Metric by metric
| Measure | Farmers State Bank | Farmers Trust & Savings Bank |
|---|---|---|
| TellerScore | 91 (stronger) | 87 |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 93 (stronger) | 89 |
| Earnings | 100 | 100 |
| Funding & liquidity | 67 (stronger) | 33 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 99th | 91st |
| Total assets | $1.1B | $191.6M |
| Deposits / shares | $919.5M | $138.1M |
| Capital ratio | 14.37% | 23.08% (stronger) |
| Problem loans | 0.21% (stronger) | 0.34% |
| Net charge-offs | -0.00% | -0.01% (stronger) |
| Return on assets | 2.17% | 2.78% (stronger) |
| Loans ÷ deposits | 93.7% (stronger) | 108.2% |
| Uninsured deposits | 12.7% (stronger) | 31.9% |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | — |
Farmers State Bank has the higher TellerScore (91 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 4 and Farmers Trust & Savings Bank on 3. 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.