Side-by-side · Q2 2026 data
First State Bank and Trust Company vs Farmers State Bank
Metric by metric
| Measure | First State Bank and Trust Company | Farmers State Bank |
|---|---|---|
| TellerScore | 65 | 89 (stronger) |
| Capital cushion | 90 | 94 (stronger) |
| Loan quality | 35 | 80 (stronger) |
| Earnings | 59 | 100 (stronger) |
| Funding & liquidity | 60 | 79 (stronger) |
| Problem-loan coverage | 87 | 92 (stronger) |
| Peer percentile | 29th | 94th |
| Total assets | $547.4M | $391.5M |
| Deposits / shares | $490.6M | $335.0M |
| Capital ratio | 14.00% | 14.41% (stronger) |
| Problem loans | 1.96% | 0.59% (stronger) |
| Net charge-offs | 0.19% | -0.09% (stronger) |
| Return on assets | 0.97% | 2.05% (stronger) |
| Loans ÷ deposits | 36.5% (stronger) | 68.0% |
| Uninsured deposits | 51.4% | 26.9% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank has the higher TellerScore (89 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First State Bank and Trust Company leads on 1 and Farmers State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Carthage, TX