Side-by-side · Q2 2026 data
Hardin County Savings Bank vs Farmers Trust and Savings Bank
Metric by metric
| Measure | Hardin County Savings Bank | Farmers Trust and Savings Bank |
|---|---|---|
| TellerScore | 62 | 74 (stronger) |
| Capital cushion | 48 | 49 (stronger) |
| Loan quality | 58 | 98 (stronger) |
| Earnings | 67 | 83 (stronger) |
| Funding & liquidity | 79 (stronger) | 56 |
| Problem-loan coverage | 74 | 99 (stronger) |
| Peer percentile | 22nd | 57th |
| Total assets | $402.3M | $422.7M |
| Deposits / shares | $324.4M | $373.8M |
| Capital ratio | 9.79% | 9.91% (stronger) |
| Problem loans | 1.25% | 0.06% (stronger) |
| Net charge-offs | 0.09% | 0.04% (stronger) |
| Return on assets | 1.17% | 1.58% (stronger) |
| Loans ÷ deposits | 76.4% (stronger) | 96.0% |
| Uninsured deposits | 19.1% (stronger) | 22.6% |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers Trust and Savings Bank has the higher TellerScore (74 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Hardin County Savings Bank leads on 2 and Farmers Trust and Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.