Side-by-side · Q2 2026 data
Farmers State Bank vs Independence Bank
Metric by metric
| Measure | Farmers State Bank | Independence Bank |
|---|---|---|
| TellerScore | 72 | 81 (stronger) |
| Capital cushion | 43 | 95 (stronger) |
| Loan quality | 100 (stronger) | 91 |
| Earnings | 63 (stronger) | 55 |
| Funding & liquidity | 81 (stronger) | 59 |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 50th | 80th |
| Total assets | $187.5M | $191.2M |
| Deposits / shares | $163.0M | $161.6M |
| Capital ratio | 9.30% | 14.46% (stronger) |
| Problem loans | 0.00% (stronger) | 0.26% |
| Net charge-offs | 0.07% (stronger) | 0.49% |
| Return on assets | 1.07% (stronger) | 0.87% |
| Loans ÷ deposits | 77.7% | 62.1% (stronger) |
| Uninsured deposits | 17.0% (stronger) | 50.5% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Independence Bank has the higher TellerScore (81 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 4 and Independence Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.