Side-by-side · Q2 2026 data
First Heritage Bank vs Farmers State Bank
Metric by metric
| Measure | First Heritage Bank | Farmers State Bank |
|---|---|---|
| TellerScore | 79 | 90 (stronger) |
| Capital cushion | 52 | 70 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 93 | 100 (stronger) |
| Funding & liquidity | 68 | 92 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 63rd | 89th |
| Total assets | $72.1M | $72.6M |
| Deposits / shares | $59.9M | $64.2M |
| Capital ratio | 10.21% | 12.03% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.82% | 2.09% (stronger) |
| Loans ÷ deposits | 92.2% | 62.6% (stronger) |
| Uninsured deposits | 9.0% (stronger) | 20.4% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank has the higher TellerScore (90 vs 79). On the 5 directional measures above (where higher or lower is clearly better), First Heritage Bank leads on 1 and Farmers State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.