Side-by-side · Q2 2026 data
Farmers State Bank vs One American Bank
Metric by metric
| Measure | Farmers State Bank | One American Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 40 |
| Capital cushion | 50 (stronger) | 33 |
| Loan quality | 100 (stronger) | 48 |
| Earnings | 56 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 65 |
| Problem-loan coverage | 100 (stronger) | 79 |
| Peer percentile | 64th | 2nd |
| Total assets | $254.8M | $285.2M |
| Deposits / shares | $237.4M | $231.5M |
| Capital ratio | 9.99% (stronger) | 8.35% |
| Problem loans | 0.00% (stronger) | 1.56% |
| Net charge-offs | -0.00% (stronger) | 4.78% |
| Return on assets | 0.89% (stronger) | -3.96% |
| Loans ÷ deposits | 58.6% (stronger) | 95.4% |
| Uninsured deposits | 13.8% | 10.8% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank has the higher TellerScore (76 vs 40). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 6 and One American Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.