Side-by-side · Q2 2026 data
Farmers Trust and Savings Bank vs Citizens Community Credit Union
Metric by metric
| Measure | Farmers Trust and Savings Bank | Citizens Community Credit Union |
|---|---|---|
| TellerScore | 57 | 88 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 52 | 76 (stronger) |
| Earnings | 69 | 87 (stronger) |
| Funding & liquidity | 65 | 79 (stronger) |
| Problem-loan coverage | 74 | 95 (stronger) |
| Peer percentile | 14th | 92nd |
| Total assets | $618.0M | $253.6M |
| Deposits / shares | $557.3M | $201.9M |
| Capital ratio | 9.53% | 19.14% (stronger) |
| Problem loans | 1.45% | 0.73% (stronger) |
| Net charge-offs | -0.07% (stronger) | 0.76% |
| Return on assets | 1.22% | 1.69% (stronger) |
| Loans ÷ deposits | 90.0% | 81.1% (stronger) |
| Uninsured deposits | 20.2% | 5.0% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Community Credit Union has the higher TellerScore (88 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Farmers Trust and Savings Bank leads on 1 and Citizens Community Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.