Side-by-side · Q2 2026 data
Farmers State Bank vs Opportunity Bank of Montana
Metric by metric
| Measure | Farmers State Bank | Opportunity Bank of Montana |
|---|---|---|
| TellerScore | 64 | 71 (stronger) |
| Capital cushion | 38 | 59 (stronger) |
| Loan quality | 77 | 91 (stronger) |
| Earnings | 59 (stronger) | 54 |
| Funding & liquidity | 82 (stronger) | 69 |
| Problem-loan coverage | 88 | 97 (stronger) |
| Peer percentile | 26th | 63rd |
| Total assets | $790.3M | $2.1B |
| Deposits / shares | $664.3M | $1.8B |
| Capital ratio | 8.84% | 10.93% (stronger) |
| Problem loans | 0.68% | 0.26% (stronger) |
| Net charge-offs | 0.04% | 0.03% (stronger) |
| Return on assets | 0.98% (stronger) | 0.85% |
| Loans ÷ deposits | 78.1% (stronger) | 86.2% |
| Uninsured deposits | 12.7% (stronger) | 19.9% |
| Offices | 10 | 29 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.3% | 12.0% |
Opportunity Bank of Montana has the higher TellerScore (71 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 3 and Opportunity Bank of Montana on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.