Side-by-side · Q2 2026 data
Farmers State Bank of Emden vs Hartsburg State Bank
Metric by metric
| Measure | Farmers State Bank of Emden | Hartsburg State Bank |
|---|---|---|
| TellerScore | 91 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 65 |
| Loan quality | 100 (stronger) | 93 |
| Earnings | 67 (stronger) | 29 |
| Funding & liquidity | 85 | 98 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 90th | 48th |
| Total assets | $37.8M | $18.1M |
| Deposits / shares | $26.4M | $16.5M |
| Capital ratio | 29.58% (stronger) | 11.51% |
| Problem loans | 0.00% (stronger) | 0.20% |
| Net charge-offs | 0.05% (stronger) | 1.22% |
| Return on assets | 1.18% (stronger) | 0.22% |
| Loans ÷ deposits | 46.9% | 32.8% (stronger) |
| Uninsured deposits | 28.8% | 16.9% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank of Emden has the higher TellerScore (91 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank of Emden leads on 5 and Hartsburg State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.