Side-by-side · Q2 2026 data
Farmers State Bank vs Whitaker Bank
Metric by metric
| Measure | Farmers State Bank | Whitaker Bank |
|---|---|---|
| TellerScore | 69 | 84 (stronger) |
| Capital cushion | 57 | 79 (stronger) |
| Loan quality | 64 | 93 (stronger) |
| Earnings | 65 | 77 (stronger) |
| Funding & liquidity | 90 (stronger) | 80 |
| Problem-loan coverage | 90 | 98 (stronger) |
| Peer percentile | 37th | 95th |
| Total assets | $69.3M | $1.9B |
| Deposits / shares | $62.5M | $1.6B |
| Capital ratio | 10.71% | 12.89% (stronger) |
| Problem loans | 1.07% | 0.21% (stronger) |
| Net charge-offs | 0.25% | 0.06% (stronger) |
| Return on assets | 1.13% | 1.42% (stronger) |
| Loans ÷ deposits | 44.8% (stronger) | 67.3% |
| Uninsured deposits | 24.1% (stronger) | 26.8% |
| Offices | 2 | 44 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Whitaker Bank has the higher TellerScore (84 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 2 and Whitaker Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.