Side-by-side · Q2 2026 data
Farmers State Bank vs American Trust and Savings Bank
Metric by metric
| Measure | Farmers State Bank | American Trust and Savings Bank |
|---|---|---|
| TellerScore | 87 (stronger) | 46 |
| Capital cushion | 81 | 100 (stronger) |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 65 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 97 |
| Problem-loan coverage | 100 (stronger) | 13 |
| Peer percentile | 84th | 7th |
| Total assets | $36.7M | $27.8M |
| Deposits / shares | $31.5M | $23.2M |
| Capital ratio | 13.07% | 15.65% (stronger) |
| Problem loans | 0.00% (stronger) | 30.07% |
| Net charge-offs | -0.02% | -0.07% (stronger) |
| Return on assets | 1.13% (stronger) | -1.02% |
| Loans ÷ deposits | 39.1% | 22.7% (stronger) |
| Uninsured deposits | 12.7% (stronger) | 17.6% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank has the higher TellerScore (87 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 4 and American Trust and Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.