Side-by-side · Q2 2026 data
First State Bank of Middlebury vs Farmers State Bank
Metric by metric
| Measure | First State Bank of Middlebury | Farmers State Bank |
|---|---|---|
| TellerScore | 67 | 78 (stronger) |
| Capital cushion | 84 (stronger) | 58 |
| Loan quality | 48 | 99 (stronger) |
| Earnings | 84 | 94 (stronger) |
| Funding & liquidity | 35 | 50 (stronger) |
| Problem-loan coverage | 81 | 100 (stronger) |
| Peer percentile | 34th | 86th |
| Total assets | $836.2M | $1.3B |
| Deposits / shares | $651.3M | $1.2B |
| Capital ratio | 13.37% (stronger) | 10.75% |
| Problem loans | 1.55% | 0.02% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 1.59% | 1.85% (stronger) |
| Loans ÷ deposits | 99.5% | 77.7% (stronger) |
| Uninsured deposits | 37.8% (stronger) | 44.9% |
| Offices | 6 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.7% | 8.4% |
Farmers State Bank has the higher TellerScore (78 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Middlebury leads on 3 and Farmers State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.