Side-by-side · Q2 2026 data
Farmers Trust and Savings Bank vs Clear Lake Bank and Trust Company
Metric by metric
| Measure | Farmers Trust and Savings Bank | Clear Lake Bank and Trust Company |
|---|---|---|
| TellerScore | 74 | 75 (stronger) |
| Capital cushion | 49 (stronger) | 35 |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 83 | 98 (stronger) |
| Funding & liquidity | 56 | 64 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 57th | 61st |
| Total assets | $422.7M | $649.3M |
| Deposits / shares | $373.8M | $585.0M |
| Capital ratio | 9.91% (stronger) | 8.53% |
| Problem loans | 0.06% | 0.00% (stronger) |
| Net charge-offs | 0.04% | 0.02% (stronger) |
| Return on assets | 1.58% | 1.94% (stronger) |
| Loans ÷ deposits | 96.0% | 83.5% (stronger) |
| Uninsured deposits | 22.6% (stronger) | 26.2% |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Clear Lake Bank and Trust Company has the higher TellerScore (75 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Farmers Trust and Savings Bank leads on 2 and Clear Lake Bank and Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.