Side-by-side · Q2 2026 data
First Heritage Bank vs The Farmers State Bank
Metric by metric
| Measure | First Heritage Bank | The Farmers State Bank |
|---|---|---|
| TellerScore | 73 | 83 (stronger) |
| Capital cushion | 40 | 77 (stronger) |
| Loan quality | 100 (stronger) | 85 |
| Earnings | 81 | 85 (stronger) |
| Funding & liquidity | 67 | 77 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 53rd | 73rd |
| Total assets | $303.4M | $86.3M |
| Deposits / shares | $280.1M | $74.4M |
| Capital ratio | 9.05% | 12.74% (stronger) |
| Problem loans | 0.00% (stronger) | 0.45% |
| Net charge-offs | -0.01% (stronger) | -0.00% |
| Return on assets | 1.51% | 1.62% (stronger) |
| Loans ÷ deposits | 69.5% | 67.4% (stronger) |
| Uninsured deposits | 36.6% | 29.4% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.9% | 10.9% |
The Farmers State Bank has the higher TellerScore (83 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First Heritage Bank leads on 2 and The Farmers State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.