Side-by-side · Q2 2026 data
Farmers State Bank vs Exchange State Bank
Metric by metric
| Measure | Farmers State Bank | Exchange State Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 71 |
| Capital cushion | 77 (stronger) | 62 |
| Loan quality | 70 (stronger) | 67 |
| Earnings | 82 | 99 (stronger) |
| Funding & liquidity | 67 (stronger) | 46 |
| Problem-loan coverage | 90 (stronger) | 85 |
| Peer percentile | 64th | 47th |
| Total assets | $150.5M | $146.0M |
| Deposits / shares | $130.7M | $117.5M |
| Capital ratio | 12.70% (stronger) | 11.17% |
| Problem loans | 0.91% (stronger) | 1.00% |
| Net charge-offs | -0.03% (stronger) | 0.00% |
| Return on assets | 1.55% | 1.97% (stronger) |
| Loans ÷ deposits | 83.4% (stronger) | 103.4% |
| Uninsured deposits | 23.6% (stronger) | 25.0% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.8% |
Farmers State Bank has the higher TellerScore (76 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 6 and Exchange State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.