Side-by-side · Q2 2026 data
Farmers State Bank vs BOC Bank
Metric by metric
| Measure | Farmers State Bank | BOC Bank |
|---|---|---|
| TellerScore | 79 | 81 (stronger) |
| Capital cushion | 44 | 74 (stronger) |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 82 | 100 (stronger) |
| Funding & liquidity | 98 (stronger) | 27 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 75th | 80th |
| Total assets | $196.0M | $203.4M |
| Deposits / shares | $176.8M | $176.7M |
| Capital ratio | 9.39% | 12.41% (stronger) |
| Problem loans | 0.04% | 0.00% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.55% | 1.99% (stronger) |
| Loans ÷ deposits | 52.0% (stronger) | 84.6% |
| Uninsured deposits | 16.9% (stronger) | 58.5% |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
BOC Bank has the higher TellerScore (81 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 2 and BOC Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.