Side-by-side · Q2 2026 data
First Bank of Berne vs Farmers State Bank
Metric by metric
| Measure | First Bank of Berne | Farmers State Bank |
|---|---|---|
| TellerScore | 73 | 78 (stronger) |
| Capital cushion | 49 | 58 (stronger) |
| Loan quality | 84 | 99 (stronger) |
| Earnings | 100 (stronger) | 94 |
| Funding & liquidity | 52 (stronger) | 50 |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 70th | 86th |
| Total assets | $1.1B | $1.3B |
| Deposits / shares | $973.2M | $1.2B |
| Capital ratio | 9.92% | 10.75% (stronger) |
| Problem loans | 0.47% | 0.02% (stronger) |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 2.07% (stronger) | 1.85% |
| Loans ÷ deposits | 80.6% | 77.7% (stronger) |
| Uninsured deposits | 40.0% (stronger) | 44.9% |
| Offices | 7 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | 8.4% |
Farmers State Bank has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First Bank of Berne leads on 2 and Farmers State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.