Side-by-side · Q2 2026 data
FNB Bank vs The Farmers State Bank of Westmoreland
Metric by metric
| Measure | FNB Bank | The Farmers State Bank of Westmoreland |
|---|---|---|
| TellerScore | 45 | 69 (stronger) |
| Capital cushion | 52 | 89 (stronger) |
| Loan quality | 0 | 32 (stronger) |
| Earnings | 71 (stronger) | 64 |
| Funding & liquidity | 73 | 88 (stronger) |
| Problem-loan coverage | 46 | 82 (stronger) |
| Peer percentile | 4th | 40th |
| Total assets | $270.3M | $257.7M |
| Deposits / shares | $235.0M | $226.2M |
| Capital ratio | 10.21% | 13.88% (stronger) |
| Problem loans | 4.03% | 2.03% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.12% |
| Return on assets | 1.28% (stronger) | 1.10% |
| Loans ÷ deposits | 75.5% | 62.6% (stronger) |
| Uninsured deposits | 25.5% | 23.9% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.7% |
The Farmers State Bank of Westmoreland has the higher TellerScore (69 vs 45). On the 7 directional measures above (where higher or lower is clearly better), FNB Bank leads on 2 and The Farmers State Bank of Westmoreland on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.