Side-by-side · Q2 2026 data
Farmers State Bank vs Sturgis Bank & Trust Company
Metric by metric
| Measure | Farmers State Bank | Sturgis Bank & Trust Company |
|---|---|---|
| TellerScore | 78 (stronger) | 56 |
| Capital cushion | 58 (stronger) | 36 |
| Loan quality | 99 (stronger) | 69 |
| Earnings | 94 (stronger) | 61 |
| Funding & liquidity | 50 | 53 (stronger) |
| Problem-loan coverage | 100 (stronger) | 76 |
| Peer percentile | 86th | 15th |
| Total assets | $1.3B | $1.0B |
| Deposits / shares | $1.2B | $893.0M |
| Capital ratio | 10.75% (stronger) | 8.63% |
| Problem loans | 0.02% (stronger) | 0.92% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.85% (stronger) | 1.03% |
| Loans ÷ deposits | 77.7% (stronger) | 85.1% |
| Uninsured deposits | 44.9% | 35.3% (stronger) |
| Offices | 12 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.4% | 3.4% |
Farmers State Bank has the higher TellerScore (78 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 5 and Sturgis Bank & Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Sturgis, MI