Side-by-side · Q2 2026 data
Farmers State Bank vs Palace City Federal Credit Union
Credit union
Palace City Federal Credit Union
Mitchell, South Dakota · Under $100 million in assets
Metric by metric
| Measure | Farmers State Bank | Palace City Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 72 |
| Capital cushion | 50 (stronger) | 49 |
| Loan quality | 100 | 100 |
| Earnings | 56 (stronger) | 37 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 64th | 44th |
| Total assets | $254.8M | $16.5M |
| Deposits / shares | $237.4M | $14.7M |
| Capital ratio | 9.99% (stronger) | 9.92% |
| Problem loans | 0.00% (stronger) | 0.01% |
| Net charge-offs | -0.00% | -0.04% (stronger) |
| Return on assets | 0.89% (stronger) | 0.43% |
| Loans ÷ deposits | 58.6% | 44.3% (stronger) |
| Uninsured deposits | 13.8% | 1.0% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank has the higher TellerScore (76 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 4 and Palace City Federal Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.