Side-by-side · Q2 2026 data
FMS Bank vs Farmers Bank
Metric by metric
| Measure | FMS Bank | Farmers Bank |
|---|---|---|
| TellerScore | 48 | 51 (stronger) |
| Capital cushion | 48 | 80 (stronger) |
| Loan quality | 43 (stronger) | 0 |
| Earnings | 28 | 90 (stronger) |
| Funding & liquidity | 65 (stronger) | 60 |
| Problem-loan coverage | 74 (stronger) | 0 |
| Peer percentile | 6th | 8th |
| Total assets | $324.8M | $297.3M |
| Deposits / shares | $291.8M | $275.9M |
| Capital ratio | 9.85% | 13.02% (stronger) |
| Problem loans | 1.71% (stronger) | 6.35% |
| Net charge-offs | 1.57% | 0.18% (stronger) |
| Return on assets | 0.20% | 1.76% (stronger) |
| Loans ÷ deposits | 88.7% | 60.6% (stronger) |
| Uninsured deposits | 21.5% (stronger) | 51.2% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | — |
Farmers Bank has the higher TellerScore (51 vs 48). On the 7 directional measures above (where higher or lower is clearly better), FMS Bank leads on 2 and Farmers Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.