Side-by-side · Q2 2026 data
Farmers Trust & Savings Bank vs Citizens Savings Bank
Metric by metric
| Measure | Farmers Trust & Savings Bank | Citizens Savings Bank |
|---|---|---|
| TellerScore | 77 | 88 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 100 (stronger) | 98 |
| Earnings | 91 (stronger) | 47 |
| Funding & liquidity | 81 | 96 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 68th | 92nd |
| Total assets | $148.1M | $151.1M |
| Deposits / shares | $134.5M | $129.2M |
| Capital ratio | 9.00% | 15.54% (stronger) |
| Problem loans | 0.00% (stronger) | 0.05% |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.78% (stronger) | 0.67% |
| Loans ÷ deposits | 71.6% | 52.1% (stronger) |
| Uninsured deposits | 21.6% | 18.6% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Citizens Savings Bank has the higher TellerScore (88 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Farmers Trust & Savings Bank leads on 3 and Citizens Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.