Side-by-side · Q2 2026 data
Farmers State Bank vs Bitterroot Community Federal Credit Union
Credit union
Bitterroot Community Federal Credit Union
Darby, Montana · Under $100 million in assets
Metric by metric
| Measure | Farmers State Bank | Bitterroot Community Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 64 |
| Capital cushion | 38 (stronger) | 35 |
| Loan quality | 77 | 80 (stronger) |
| Earnings | 59 (stronger) | 44 |
| Funding & liquidity | 82 | 100 (stronger) |
| Problem-loan coverage | 88 | 94 (stronger) |
| Peer percentile | 26th | 28th |
| Total assets | $790.3M | $18.9M |
| Deposits / shares | $664.3M | $17.2M |
| Capital ratio | 8.84% (stronger) | 8.53% |
| Problem loans | 0.68% | 0.59% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.11% |
| Return on assets | 0.98% (stronger) | 0.60% |
| Loans ÷ deposits | 78.1% | 47.2% (stronger) |
| Uninsured deposits | 12.7% | 0.1% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.3% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 3 and Bitterroot Community 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.
Where both have branches
- Darby, MT
- Hamilton, MT