Side-by-side · Q2 2026 data
Incommons Bank, N.A. vs Farmers State Bank
Metric by metric
| Measure | Incommons Bank, N.A. | Farmers State Bank |
|---|---|---|
| TellerScore | 73 | 79 (stronger) |
| Capital cushion | 52 (stronger) | 44 |
| Loan quality | 86 | 99 (stronger) |
| Earnings | 84 (stronger) | 82 |
| Funding & liquidity | 67 | 98 (stronger) |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 53rd | 75th |
| Total assets | $277.6M | $196.0M |
| Deposits / shares | $245.8M | $176.8M |
| Capital ratio | 10.20% (stronger) | 9.39% |
| Problem loans | 0.41% | 0.04% (stronger) |
| Net charge-offs | 0.04% | 0.01% (stronger) |
| Return on assets | 1.60% (stronger) | 1.55% |
| Loans ÷ deposits | 79.0% | 52.0% (stronger) |
| Uninsured deposits | 28.1% | 16.9% (stronger) |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.8% | — |
Farmers State Bank has the higher TellerScore (79 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Incommons Bank, N.A. leads on 2 and Farmers State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Fairfield, TX
- Mexia, TX