Side-by-side · Q2 2026 data
First State Bank vs Farmers State Bank
Metric by metric
| Measure | First State Bank | Farmers State Bank |
|---|---|---|
| TellerScore | 93 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 77 |
| Loan quality | 100 (stronger) | 70 |
| Earnings | 78 | 82 (stronger) |
| Funding & liquidity | 81 (stronger) | 67 |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 98th | 64th |
| Total assets | $125.9M | $150.5M |
| Deposits / shares | $102.8M | $130.7M |
| Capital ratio | 17.71% (stronger) | 12.70% |
| Problem loans | 0.00% (stronger) | 0.91% |
| Net charge-offs | 0.00% | -0.03% (stronger) |
| Return on assets | 1.44% | 1.55% (stronger) |
| Loans ÷ deposits | 54.6% (stronger) | 83.4% |
| Uninsured deposits | 32.1% | 23.6% (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 76). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 4 and Farmers State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.