Side-by-side · Q2 2026 data
Farmers State Bank vs Citizens Community Credit Union
Metric by metric
| Measure | Farmers State Bank | Citizens Community Credit Union |
|---|---|---|
| TellerScore | 74 | 88 (stronger) |
| Capital cushion | 77 | 100 (stronger) |
| Loan quality | 74 | 76 (stronger) |
| Earnings | 61 | 87 (stronger) |
| Funding & liquidity | 75 | 79 (stronger) |
| Problem-loan coverage | 90 | 95 (stronger) |
| Peer percentile | 57th | 92nd |
| Total assets | $221.4M | $253.6M |
| Deposits / shares | $189.7M | $201.9M |
| Capital ratio | 12.73% | 19.14% (stronger) |
| Problem loans | 0.77% | 0.73% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.76% |
| Return on assets | 1.03% | 1.69% (stronger) |
| Loans ÷ deposits | 84.9% | 81.1% (stronger) |
| Uninsured deposits | 15.4% | 5.0% (stronger) |
| Offices | 8 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Community Credit Union has the higher TellerScore (88 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 1 and Citizens Community Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.