Side-by-side · Q2 2026 data
First State Bank vs Farmers Trust & Savings Bank
Metric by metric
| Measure | First State Bank | Farmers Trust & Savings Bank |
|---|---|---|
| TellerScore | 67 | 77 (stronger) |
| Capital cushion | 62 (stronger) | 40 |
| Loan quality | 69 | 100 (stronger) |
| Earnings | 48 | 91 (stronger) |
| Funding & liquidity | 85 (stronger) | 81 |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 34th | 68th |
| Total assets | $141.7M | $148.1M |
| Deposits / shares | $117.8M | $134.5M |
| Capital ratio | 11.23% (stronger) | 9.00% |
| Problem loans | 0.92% | 0.00% (stronger) |
| Net charge-offs | -0.02% (stronger) | -0.01% |
| Return on assets | 0.71% | 1.78% (stronger) |
| Loans ÷ deposits | 52.6% (stronger) | 71.6% |
| Uninsured deposits | 29.1% | 21.6% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Farmers Trust & Savings Bank has the higher TellerScore (77 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 3 and Farmers Trust & Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.