Side-by-side · Q2 2026 data
Independent Farmers Bank vs The Union State Bank of Everest
Metric by metric
| Measure | Independent Farmers Bank | The Union State Bank of Everest |
|---|---|---|
| TellerScore | 71 (stronger) | 68 |
| Capital cushion | 55 (stronger) | 50 |
| Loan quality | 78 (stronger) | 65 |
| Earnings | 65 | 85 (stronger) |
| Funding & liquidity | 85 (stronger) | 75 |
| Problem-loan coverage | 91 (stronger) | 85 |
| Peer percentile | 47th | 37th |
| Total assets | $146.5M | $427.3M |
| Deposits / shares | $131.9M | $382.0M |
| Capital ratio | 10.53% (stronger) | 9.99% |
| Problem loans | 0.66% (stronger) | 1.06% |
| Net charge-offs | 0.07% | 0.01% (stronger) |
| Return on assets | 1.13% | 1.62% (stronger) |
| Loans ÷ deposits | 66.2% (stronger) | 80.8% |
| Uninsured deposits | 23.5% | 19.1% (stronger) |
| Offices | 3 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.3% | 6.0% |
Independent Farmers Bank has the higher TellerScore (71 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Independent Farmers Bank leads on 4 and The Union State Bank of Everest on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.