Side-by-side · Q2 2026 data
Farmers Trust and Savings Bank vs South Story Bank & Trust
Metric by metric
| Measure | Farmers Trust and Savings Bank | South Story Bank & Trust |
|---|---|---|
| TellerScore | 57 | 57 |
| Capital cushion | 45 | 59 (stronger) |
| Loan quality | 52 | 74 (stronger) |
| Earnings | 69 (stronger) | 46 |
| Funding & liquidity | 65 (stronger) | 19 |
| Problem-loan coverage | 74 | 86 (stronger) |
| Peer percentile | 14th | 14th |
| Total assets | $618.0M | $623.9M |
| Deposits / shares | $557.3M | $491.3M |
| Capital ratio | 9.53% | 10.93% (stronger) |
| Problem loans | 1.45% | 0.78% (stronger) |
| Net charge-offs | -0.07% (stronger) | 0.05% |
| Return on assets | 1.22% (stronger) | 0.65% |
| Loans ÷ deposits | 90.0% (stronger) | 115.1% |
| Uninsured deposits | 20.2% (stronger) | 43.3% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.8% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Farmers Trust and Savings Bank leads on 4 and South Story Bank & Trust on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.