Side-by-side · Q2 2026 data
Farmers Trust & Savings Bank vs Citizens State Bank
Metric by metric
| Measure | Farmers Trust & Savings Bank | Citizens State Bank |
|---|---|---|
| TellerScore | 87 | 87 |
| Capital cushion | 100 (stronger) | 75 |
| Loan quality | 89 | 100 (stronger) |
| Earnings | 100 (stronger) | 90 |
| Funding & liquidity | 33 | 75 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 91st | 91st |
| Total assets | $191.6M | $194.7M |
| Deposits / shares | $138.1M | $166.1M |
| Capital ratio | 23.08% (stronger) | 12.45% |
| Problem loans | 0.34% | 0.00% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 2.78% (stronger) | 1.74% |
| Loans ÷ deposits | 108.2% | 78.3% (stronger) |
| Uninsured deposits | 31.9% | 20.7% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Farmers Trust & Savings Bank leads on 3 and Citizens State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.