Side-by-side · Q2 2026 data
First State Bank and Trust vs Farmers Bank & Trust
Metric by metric
| Measure | First State Bank and Trust | Farmers Bank & Trust |
|---|---|---|
| TellerScore | 66 | 96 (stronger) |
| Capital cushion | 36 | 100 (stronger) |
| Loan quality | 84 | 94 (stronger) |
| Earnings | 67 | 100 (stronger) |
| Funding & liquidity | 82 | 87 (stronger) |
| Problem-loan coverage | 84 | 99 (stronger) |
| Peer percentile | 31st | 100th |
| Total assets | $514.9M | $1.1B |
| Deposits / shares | $457.6M | $699.1M |
| Capital ratio | 8.64% | 23.97% (stronger) |
| Problem loans | 0.48% | 0.19% (stronger) |
| Net charge-offs | 0.44% | -0.00% (stronger) |
| Return on assets | 1.18% | 2.56% (stronger) |
| Loans ÷ deposits | 72.7% | 71.3% (stronger) |
| Uninsured deposits | 20.3% | 16.6% (stronger) |
| Offices | 7 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.6% | 11.7% |
Farmers Bank & Trust has the higher TellerScore (96 vs 66). On the 7 directional measures above (where higher or lower is clearly better), First State Bank and Trust leads on 0 and Farmers Bank & Trust on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.