Side-by-side · Q2 2026 data
Farmers Trust and Savings Bank vs First State Bank
Metric by metric
| Measure | Farmers Trust and Savings Bank | First State Bank |
|---|---|---|
| TellerScore | 57 | 81 (stronger) |
| Capital cushion | 45 | 74 (stronger) |
| Loan quality | 52 | 96 (stronger) |
| Earnings | 69 | 75 (stronger) |
| Funding & liquidity | 65 | 65 |
| Problem-loan coverage | 74 | 99 (stronger) |
| Peer percentile | 14th | 80th |
| Total assets | $618.0M | $674.3M |
| Deposits / shares | $557.3M | $572.2M |
| Capital ratio | 9.53% | 12.40% (stronger) |
| Problem loans | 1.45% | 0.12% (stronger) |
| Net charge-offs | -0.07% (stronger) | 0.00% |
| Return on assets | 1.22% | 1.38% (stronger) |
| Loans ÷ deposits | 90.0% | 86.5% (stronger) |
| Uninsured deposits | 20.2% (stronger) | 22.4% |
| Offices | 1 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (81 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Farmers Trust and Savings Bank leads on 2 and First State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.