Side-by-side · Q2 2026 data
Farmers State Bank vs Defiance State Bank
Metric by metric
| Measure | Farmers State Bank | Defiance State Bank |
|---|---|---|
| TellerScore | 87 (stronger) | 68 |
| Capital cushion | 81 (stronger) | 49 |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 65 (stronger) | 49 |
| Funding & liquidity | 100 (stronger) | 65 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 84th | 33rd |
| Total assets | $36.7M | $42.6M |
| Deposits / shares | $31.5M | $33.5M |
| Capital ratio | 13.07% (stronger) | 9.86% |
| Problem loans | 0.00% (stronger) | 0.08% |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 1.13% (stronger) | 0.71% |
| Loans ÷ deposits | 39.1% (stronger) | 95.3% |
| Uninsured deposits | 12.7% | 8.9% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank has the higher TellerScore (87 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 6 and Defiance State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.