Side-by-side · Q2 2026 data
First State Bank vs Farmers Savings Bank
Metric by metric
| Measure | First State Bank | Farmers Savings Bank |
|---|---|---|
| TellerScore | 93 (stronger) | 80 |
| Capital cushion | 100 (stronger) | 87 |
| Loan quality | 100 (stronger) | 91 |
| Earnings | 78 (stronger) | 46 |
| Funding & liquidity | 81 | 81 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 98th | 77th |
| Total assets | $125.9M | $130.5M |
| Deposits / shares | $102.8M | $111.0M |
| Capital ratio | 17.71% (stronger) | 13.71% |
| Problem loans | 0.00% (stronger) | 0.27% |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 1.44% (stronger) | 0.65% |
| Loans ÷ deposits | 54.6% (stronger) | 79.5% |
| Uninsured deposits | 32.1% | 14.2% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (93 vs 80). 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.