Side-by-side · Q2 2026 data
Farmers Trust and Savings Bank vs GNB Bank
Metric by metric
| Measure | Farmers Trust and Savings Bank | GNB Bank |
|---|---|---|
| TellerScore | 57 | 76 (stronger) |
| Capital cushion | 45 | 72 (stronger) |
| Loan quality | 52 | 79 (stronger) |
| Earnings | 69 | 87 (stronger) |
| Funding & liquidity | 65 (stronger) | 51 |
| Problem-loan coverage | 74 | 94 (stronger) |
| Peer percentile | 14th | 64th |
| Total assets | $618.0M | $621.3M |
| Deposits / shares | $557.3M | $498.0M |
| Capital ratio | 9.53% | 12.22% (stronger) |
| Problem loans | 1.45% | 0.62% (stronger) |
| Net charge-offs | -0.07% (stronger) | -0.00% |
| Return on assets | 1.22% | 1.68% (stronger) |
| Loans ÷ deposits | 90.0% | 88.5% (stronger) |
| Uninsured deposits | 20.2% (stronger) | 34.1% |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.1% |
GNB Bank has the higher TellerScore (76 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Farmers Trust and Savings Bank leads on 2 and GNB Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.