Side-by-side · Q2 2026 data
Farmers State Bank vs Valley Central Bank
Metric by metric
| Measure | Farmers State Bank | Valley Central Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 62 |
| Capital cushion | 43 | 100 (stronger) |
| Loan quality | 100 (stronger) | 28 |
| Earnings | 63 (stronger) | 34 |
| Funding & liquidity | 81 (stronger) | 62 |
| Problem-loan coverage | 97 (stronger) | 85 |
| Peer percentile | 50th | 22nd |
| Total assets | $187.5M | $186.7M |
| Deposits / shares | $163.0M | $146.0M |
| Capital ratio | 9.30% | 20.06% (stronger) |
| Problem loans | 0.00% (stronger) | 2.17% |
| Net charge-offs | 0.07% | 0.00% (stronger) |
| Return on assets | 1.07% (stronger) | 0.35% |
| Loans ÷ deposits | 77.7% (stronger) | 96.3% |
| Uninsured deposits | 17.0% | 16.4% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.1% |
Farmers State Bank has the higher TellerScore (72 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 4 and Valley Central Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.