Side-by-side · Q2 2026 data
First State Bank Shannon-Polo vs Farmers National Bank
Metric by metric
| Measure | First State Bank Shannon-Polo | Farmers National Bank |
|---|---|---|
| TellerScore | 51 | 88 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 12 | 92 (stronger) |
| Earnings | 58 | 67 (stronger) |
| Funding & liquidity | 93 (stronger) | 76 |
| Problem-loan coverage | 67 | 98 (stronger) |
| Peer percentile | 8th | 92nd |
| Total assets | $190.5M | $895.7M |
| Deposits / shares | $167.1M | $637.2M |
| Capital ratio | 10.31% | 15.03% (stronger) |
| Problem loans | 2.64% | 0.23% (stronger) |
| Net charge-offs | 0.53% | 0.00% (stronger) |
| Return on assets | 0.94% | 1.17% (stronger) |
| Loans ÷ deposits | 64.6% (stronger) | 76.9% |
| Uninsured deposits | 17.7% (stronger) | 22.0% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.0% |
Farmers National Bank has the higher TellerScore (88 vs 51). On the 7 directional measures above (where higher or lower is clearly better), First State Bank Shannon-Polo leads on 2 and Farmers National Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.