Side-by-side · Q2 2026 data
Farmers State Bank vs Citizens Savings Bank
Metric by metric
| Measure | Farmers State Bank | Citizens Savings Bank |
|---|---|---|
| TellerScore | 76 | 88 (stronger) |
| Capital cushion | 77 | 100 (stronger) |
| Loan quality | 70 | 98 (stronger) |
| Earnings | 82 (stronger) | 47 |
| Funding & liquidity | 67 | 96 (stronger) |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 64th | 92nd |
| Total assets | $150.5M | $151.1M |
| Deposits / shares | $130.7M | $129.2M |
| Capital ratio | 12.70% | 15.54% (stronger) |
| Problem loans | 0.91% | 0.05% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.00% |
| Return on assets | 1.55% (stronger) | 0.67% |
| Loans ÷ deposits | 83.4% | 52.1% (stronger) |
| Uninsured deposits | 23.6% | 18.6% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Savings Bank has the higher TellerScore (88 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 2 and Citizens Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.