Side-by-side · Q2 2026 data
HNB National Bank vs Farmers State Bank
Metric by metric
| Measure | HNB National Bank | Farmers State Bank |
|---|---|---|
| TellerScore | 81 | 88 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 98 (stronger) | 92 |
| Earnings | 100 (stronger) | 76 |
| Funding & liquidity | 86 (stronger) | 67 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 91st | 92nd |
| Total assets | $1.3B | $339.8M |
| Deposits / shares | $1.2B | $285.8M |
| Capital ratio | 9.72% | 15.02% (stronger) |
| Problem loans | 0.06% (stronger) | 0.23% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 2.66% (stronger) | 1.40% |
| Loans ÷ deposits | 74.1% (stronger) | 89.0% |
| Uninsured deposits | 14.2% (stronger) | 19.2% |
| Offices | 17 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.2% | 7.5% |
Farmers State Bank has the higher TellerScore (88 vs 81). On the 7 directional measures above (where higher or lower is clearly better), HNB National Bank leads on 5 and Farmers State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.