Side-by-side · Q2 2026 data
Farmers State Bank of Hoffman vs Germantown Trust & Savings Bank
Metric by metric
| Measure | Farmers State Bank of Hoffman | Germantown Trust & Savings Bank |
|---|---|---|
| TellerScore | 77 | 87 (stronger) |
| Capital cushion | 69 (stronger) | 66 |
| Loan quality | 94 | 96 (stronger) |
| Earnings | 47 | 100 (stronger) |
| Funding & liquidity | 89 | 92 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 68th | 91st |
| Total assets | $232.1M | $523.6M |
| Deposits / shares | $168.2M | $433.2M |
| Capital ratio | 11.95% (stronger) | 11.58% |
| Problem loans | 0.17% | 0.13% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.67% | 2.25% (stronger) |
| Loans ÷ deposits | 67.3% | 65.5% (stronger) |
| Uninsured deposits | 18.0% | 17.3% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.6% | 4.7% |
Germantown Trust & Savings Bank has the higher TellerScore (87 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank of Hoffman leads on 1 and Germantown Trust & Savings Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.