Side-by-side · Q2 2026 data
First National Bank and Trust vs Farmers State Bank
Metric by metric
| Measure | First National Bank and Trust | Farmers State Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 69 |
| Capital cushion | 97 (stronger) | 67 |
| Loan quality | 38 | 56 (stronger) |
| Earnings | 75 (stronger) | 58 |
| Funding & liquidity | 64 | 99 (stronger) |
| Problem-loan coverage | 83 | 87 (stronger) |
| Peer percentile | 50th | 37th |
| Total assets | $322.2M | $42.8M |
| Deposits / shares | $259.5M | $36.2M |
| Capital ratio | 14.73% (stronger) | 11.73% |
| Problem loans | 1.87% | 1.32% (stronger) |
| Net charge-offs | 0.40% | -0.02% (stronger) |
| Return on assets | 1.37% (stronger) | 0.96% |
| Loans ÷ deposits | 85.5% | 61.2% (stronger) |
| Uninsured deposits | 24.5% | 14.3% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank and Trust has the higher TellerScore (72 vs 69). On the 7 directional measures above (where higher or lower is clearly better), First National Bank and Trust leads on 3 and Farmers State Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Phillipsburg, KS