Side-by-side · Q2 2026 data
Farmers State Bank vs First Community Bank
Metric by metric
| Measure | Farmers State Bank | First Community Bank |
|---|---|---|
| TellerScore | 97 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 43 |
| Loan quality | 94 | 98 (stronger) |
| Earnings | 100 (stronger) | 70 |
| Funding & liquidity | 89 (stronger) | 63 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 100th | 63rd |
| Total assets | $186.2M | $2.4B |
| Deposits / shares | $160.3M | $2.0B |
| Capital ratio | 15.44% (stronger) | 9.29% |
| Problem loans | 0.17% | 0.05% (stronger) |
| Net charge-offs | 0.15% | 0.00% (stronger) |
| Return on assets | 2.67% (stronger) | 1.25% |
| Loans ÷ deposits | 54.7% (stronger) | 77.4% |
| Uninsured deposits | 25.0% (stronger) | 32.7% |
| Offices | 3 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.2% | 4.8% |
Farmers State Bank has the higher TellerScore (97 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 5 and First Community Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.