Side-by-side · Q2 2026 data
Independent Farmers Bank vs Four States Bank
Metric by metric
| Measure | Independent Farmers Bank | Four States Bank |
|---|---|---|
| TellerScore | 71 | 76 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 78 | 100 (stronger) |
| Earnings | 65 (stronger) | 21 |
| Funding & liquidity | 85 (stronger) | 44 |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 47th | 64th |
| Total assets | $146.5M | $142.1M |
| Deposits / shares | $131.9M | $114.3M |
| Capital ratio | 10.53% | 15.85% (stronger) |
| Problem loans | 0.66% | 0.00% (stronger) |
| Net charge-offs | 0.07% | 0.00% (stronger) |
| Return on assets | 1.13% (stronger) | 0.03% |
| Loans ÷ deposits | 66.2% (stronger) | 89.5% |
| Uninsured deposits | 23.5% (stronger) | 39.1% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.3% | — |
Four States Bank has the higher TellerScore (76 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Independent Farmers Bank leads on 3 and Four States Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.