Side-by-side · Q2 2026 data
Farmers State Bank vs United Bank and Trust Company
Metric by metric
| Measure | Farmers State Bank | United Bank and Trust Company |
|---|---|---|
| TellerScore | 74 | 97 (stronger) |
| Capital cushion | 77 | 98 (stronger) |
| Loan quality | 74 | 100 (stronger) |
| Earnings | 61 | 94 (stronger) |
| Funding & liquidity | 75 | 93 (stronger) |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 57th | 100th |
| Total assets | $221.4M | $228.4M |
| Deposits / shares | $189.7M | $199.7M |
| Capital ratio | 12.73% | 14.83% (stronger) |
| Problem loans | 0.77% | 0.00% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.03% | 1.84% (stronger) |
| Loans ÷ deposits | 84.9% | 60.9% (stronger) |
| Uninsured deposits | 15.4% (stronger) | 20.6% |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Bank and Trust Company has the higher TellerScore (97 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 1 and United Bank and Trust Company on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.