Side-by-side · Q2 2026 data
Farmers State Bank vs Cottonwood Valley Bank
Metric by metric
| Measure | Farmers State Bank | Cottonwood Valley Bank |
|---|---|---|
| TellerScore | 69 | 90 (stronger) |
| Capital cushion | 67 | 94 (stronger) |
| Loan quality | 56 | 100 (stronger) |
| Earnings | 58 (stronger) | 57 |
| Funding & liquidity | 99 | 100 (stronger) |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 37th | 89th |
| Total assets | $42.8M | $38.1M |
| Deposits / shares | $36.2M | $32.7M |
| Capital ratio | 11.73% | 14.39% (stronger) |
| Problem loans | 1.32% | 0.00% (stronger) |
| Net charge-offs | -0.02% | -0.16% (stronger) |
| Return on assets | 0.96% (stronger) | 0.93% |
| Loans ÷ deposits | 61.2% | 17.9% (stronger) |
| Uninsured deposits | 14.3% | 10.7% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cottonwood Valley Bank has the higher TellerScore (90 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 1 and Cottonwood Valley Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.