Side-by-side · Q2 2026 data
Farmers State Bank vs Freestone Credit Union
Metric by metric
| Measure | Farmers State Bank | Freestone Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 73 |
| Capital cushion | 44 | 53 (stronger) |
| Loan quality | 99 (stronger) | 97 |
| Earnings | 82 (stronger) | 41 |
| Funding & liquidity | 98 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 75th | 47th |
| Total assets | $196.0M | $77.3M |
| Deposits / shares | $176.8M | $67.8M |
| Capital ratio | 9.39% | 10.32% (stronger) |
| Problem loans | 0.04% (stronger) | 0.10% |
| Net charge-offs | 0.01% (stronger) | 0.14% |
| Return on assets | 1.55% (stronger) | 0.54% |
| Loans ÷ deposits | 52.0% (stronger) | 55.9% |
| Uninsured deposits | 16.9% | 5.7% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank has the higher TellerScore (79 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 5 and Freestone Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Fairfield, TX
- Jewett, TX