Side-by-side · Q2 2026 data
First State Bank vs Farmers Savings Bank
Metric by metric
| Measure | First State Bank | Farmers Savings Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 46 |
| Capital cushion | 74 | 76 (stronger) |
| Loan quality | 96 (stronger) | 0 |
| Earnings | 75 (stronger) | 50 |
| Funding & liquidity | 65 (stronger) | 48 |
| Problem-loan coverage | 99 (stronger) | 57 |
| Peer percentile | 80th | 5th |
| Total assets | $674.3M | $215.3M |
| Deposits / shares | $572.2M | $173.7M |
| Capital ratio | 12.40% | 12.59% (stronger) |
| Problem loans | 0.12% (stronger) | 3.48% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.38% (stronger) | 0.75% |
| Loans ÷ deposits | 86.5% (stronger) | 99.0% |
| Uninsured deposits | 22.4% (stronger) | 27.0% |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (81 vs 46). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 6 and Farmers Savings Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.