Side-by-side · Q2 2026 data
Farmers State Bank of Hoffman vs West Central Bank
Metric by metric
| Measure | Farmers State Bank of Hoffman | West Central Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 60 |
| Capital cushion | 69 | 69 |
| Loan quality | 94 (stronger) | 30 |
| Earnings | 47 | 71 (stronger) |
| Funding & liquidity | 89 (stronger) | 70 |
| Problem-loan coverage | 98 (stronger) | 70 |
| Peer percentile | 68th | 19th |
| Total assets | $232.1M | $232.2M |
| Deposits / shares | $168.2M | $207.1M |
| Capital ratio | 11.95% | 11.95% (stronger) |
| Problem loans | 0.17% (stronger) | 2.10% |
| Net charge-offs | 0.01% (stronger) | 1.43% |
| Return on assets | 0.67% | 1.28% (stronger) |
| Loans ÷ deposits | 67.3% (stronger) | 83.1% |
| Uninsured deposits | 18.0% (stronger) | 21.4% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.6% | 2.2% |
Farmers State Bank of Hoffman has the higher TellerScore (77 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank of Hoffman leads on 5 and West Central Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.