Side-by-side · Q2 2026 data
Farmers State Bank vs Citizens Federal Savings and Loan Association
Bank
Citizens Federal Savings and Loan Association
Bellefontaine, Ohio · $100 million – $1 billion
Metric by metric
| Measure | Farmers State Bank | Citizens Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 72 (stronger) | 70 |
| Capital cushion | 43 | 59 (stronger) |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 63 (stronger) | 38 |
| Funding & liquidity | 81 (stronger) | 67 |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 50th | 43rd |
| Total assets | $187.5M | $186.1M |
| Deposits / shares | $163.0M | $161.3M |
| Capital ratio | 9.30% | 10.90% (stronger) |
| Problem loans | 0.00% (stronger) | 0.03% |
| Net charge-offs | 0.07% | 0.00% (stronger) |
| Return on assets | 1.07% (stronger) | 0.45% |
| Loans ÷ deposits | 77.7% (stronger) | 91.1% |
| Uninsured deposits | 17.0% | 16.6% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank has the higher TellerScore (72 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 4 and Citizens Federal Savings and Loan Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.