Side-by-side · Q2 2026 data
Farmers State Bank vs The Watkins Savings Bank
Metric by metric
| Measure | Farmers State Bank | The Watkins Savings Bank |
|---|---|---|
| TellerScore | 91 (stronger) | 87 |
| Capital cushion | 94 | 98 (stronger) |
| Loan quality | 93 | 100 (stronger) |
| Earnings | 100 (stronger) | 40 |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 99th | 84th |
| Total assets | $1.1B | $86.7M |
| Deposits / shares | $919.5M | $75.0M |
| Capital ratio | 14.37% | 14.80% (stronger) |
| Problem loans | 0.21% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 2.17% (stronger) | 0.51% |
| Loans ÷ deposits | 93.7% | 43.1% (stronger) |
| Uninsured deposits | 12.7% | 8.7% (stronger) |
| 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 3 and The Watkins Savings Bank on 4. 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.