Side-by-side · Q2 2026 data
Farmers State Bank vs Union State Bank
Metric by metric
| Measure | Farmers State Bank | Union State Bank |
|---|---|---|
| TellerScore | 69 | 89 (stronger) |
| Capital cushion | 67 | 77 (stronger) |
| Loan quality | 56 | 100 (stronger) |
| Earnings | 58 | 78 (stronger) |
| Funding & liquidity | 99 | 100 (stronger) |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 37th | 87th |
| Total assets | $42.8M | $44.3M |
| Deposits / shares | $36.2M | $39.1M |
| Capital ratio | 11.73% | 12.65% (stronger) |
| Problem loans | 1.32% | 0.00% (stronger) |
| Net charge-offs | -0.02% | -0.33% (stronger) |
| Return on assets | 0.96% | 1.46% (stronger) |
| Loans ÷ deposits | 61.2% | 47.5% (stronger) |
| Uninsured deposits | 14.3% | 13.7% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Union State Bank has the higher TellerScore (89 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 0 and Union State Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.