Side-by-side · Q2 2026 data
Independent Farmers Bank vs Bank of Salem
Metric by metric
| Measure | Independent Farmers Bank | Bank of Salem |
|---|---|---|
| TellerScore | 71 (stronger) | 65 |
| Capital cushion | 55 (stronger) | 45 |
| Loan quality | 78 (stronger) | 76 |
| Earnings | 65 | 68 (stronger) |
| Funding & liquidity | 85 (stronger) | 65 |
| Problem-loan coverage | 91 (stronger) | 90 |
| Peer percentile | 47th | 29th |
| Total assets | $146.5M | $147.0M |
| Deposits / shares | $131.9M | $132.9M |
| Capital ratio | 10.53% (stronger) | 9.53% |
| Problem loans | 0.66% (stronger) | 0.71% |
| Net charge-offs | 0.07% | 0.00% (stronger) |
| Return on assets | 1.13% | 1.20% (stronger) |
| Loans ÷ deposits | 66.2% (stronger) | 68.8% |
| Uninsured deposits | 23.5% (stronger) | 38.4% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.3% | — |
Independent Farmers Bank has the higher TellerScore (71 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Independent Farmers Bank leads on 5 and Bank of Salem on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.