Side-by-side · Q2 2026 data
Farmers State Bank vs Security Federal Bank
Metric by metric
| Measure | Farmers State Bank | Security Federal Bank |
|---|---|---|
| TellerScore | 97 (stronger) | 69 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 94 (stronger) | 72 |
| Earnings | 100 (stronger) | 55 |
| Funding & liquidity | 89 | 90 (stronger) |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 100th | 53rd |
| Total assets | $186.2M | $1.5B |
| Deposits / shares | $160.3M | $1.4B |
| Capital ratio | 15.44% (stronger) | 10.83% |
| Problem loans | 0.17% (stronger) | 0.85% |
| Net charge-offs | 0.15% | 0.06% (stronger) |
| Return on assets | 2.67% (stronger) | 0.86% |
| Loans ÷ deposits | 54.7% | 49.8% (stronger) |
| Uninsured deposits | 25.0% | 24.1% (stronger) |
| Offices | 3 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.2% | 10.8% |
Farmers State Bank has the higher TellerScore (97 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 4 and Security Federal Bank on 3. 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.