Side-by-side · Q2 2026 data
Farmers State Bank vs American Bank
Metric by metric
| Measure | Farmers State Bank | American Bank |
|---|---|---|
| TellerScore | 64 | 79 (stronger) |
| Capital cushion | 38 | 61 (stronger) |
| Loan quality | 77 | 100 (stronger) |
| Earnings | 59 | 75 (stronger) |
| Funding & liquidity | 82 (stronger) | 74 |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 26th | 75th |
| Total assets | $790.3M | $630.4M |
| Deposits / shares | $664.3M | $564.0M |
| Capital ratio | 8.84% | 11.12% (stronger) |
| Problem loans | 0.68% | 0.00% (stronger) |
| Net charge-offs | 0.04% | -0.00% (stronger) |
| Return on assets | 0.98% | 1.37% (stronger) |
| Loans ÷ deposits | 78.1% | 69.1% (stronger) |
| Uninsured deposits | 12.7% (stronger) | 30.2% |
| Offices | 10 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.3% | — |
American Bank has the higher TellerScore (79 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 1 and American Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.