Side-by-side · Q2 2026 data
Farmers State Bank vs Citizens Savings Bank
Metric by metric
| Measure | Farmers State Bank | Citizens Savings Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 74 |
| Capital cushion | 70 (stronger) | 49 |
| Loan quality | 100 | 100 |
| Earnings | 100 (stronger) | 63 |
| Funding & liquidity | 92 (stronger) | 79 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 89th | 51st |
| Total assets | $72.6M | $77.9M |
| Deposits / shares | $64.2M | $64.6M |
| Capital ratio | 12.03% (stronger) | 9.90% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 2.09% (stronger) | 1.07% |
| Loans ÷ deposits | 62.6% (stronger) | 76.4% |
| Uninsured deposits | 20.4% | 19.2% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank has the higher TellerScore (90 vs 74). On the 5 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 4 and Citizens Savings Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.