Side-by-side · Q2 2026 data
Farmers State Bank vs Lone Star Bank
Metric by metric
| Measure | Farmers State Bank | Lone Star Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 77 |
| Capital cushion | 44 | 77 (stronger) |
| Loan quality | 99 (stronger) | 90 |
| Earnings | 82 (stronger) | 67 |
| Funding & liquidity | 98 (stronger) | 53 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 75th | 68th |
| Total assets | $196.0M | $202.3M |
| Deposits / shares | $176.8M | $176.0M |
| Capital ratio | 9.39% | 12.65% (stronger) |
| Problem loans | 0.04% (stronger) | 0.29% |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 1.55% (stronger) | 1.19% |
| Loans ÷ deposits | 52.0% (stronger) | 98.9% |
| Uninsured deposits | 16.9% (stronger) | 22.4% |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank has the higher TellerScore (79 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 5 and Lone Star Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.