Side-by-side · Q2 2026 data
Farmers State Bank vs Three Rivers Bank of Montana
Metric by metric
| Measure | Farmers State Bank | Three Rivers Bank of Montana |
|---|---|---|
| TellerScore | 64 | 71 (stronger) |
| Capital cushion | 38 | 67 (stronger) |
| Loan quality | 77 (stronger) | 69 |
| Earnings | 59 | 76 (stronger) |
| Funding & liquidity | 82 (stronger) | 62 |
| Problem-loan coverage | 88 (stronger) | 87 |
| Peer percentile | 26th | 47th |
| Total assets | $790.3M | $293.1M |
| Deposits / shares | $664.3M | $257.9M |
| Capital ratio | 8.84% | 11.72% (stronger) |
| Problem loans | 0.68% (stronger) | 0.93% |
| Net charge-offs | 0.04% | 0.01% (stronger) |
| Return on assets | 0.98% | 1.40% (stronger) |
| Loans ÷ deposits | 78.1% (stronger) | 95.0% |
| Uninsured deposits | 12.7% (stronger) | 18.1% |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.3% | — |
Three Rivers 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 Three Rivers Bank of Montana on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.