Side-by-side · Q2 2026 data
Farmers State Bank vs Cowboy State Bank
Metric by metric
| Measure | Farmers State Bank | Cowboy State Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 70 |
| Capital cushion | 59 | 74 (stronger) |
| Loan quality | 100 (stronger) | 70 |
| Earnings | 64 (stronger) | 56 |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 100 (stronger) | 64 |
| Peer percentile | 68th | 40th |
| Total assets | $35.4M | $50.3M |
| Deposits / shares | $31.2M | $44.4M |
| Capital ratio | 10.85% | 12.44% (stronger) |
| Problem loans | 0.00% (stronger) | 0.91% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.10% (stronger) | 0.91% |
| Loans ÷ deposits | 52.3% (stronger) | 75.7% |
| Uninsured deposits | 14.8% | 5.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank has the higher TellerScore (81 vs 70). On the 6 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 4 and Cowboy State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.