Side-by-side · Q2 2026 data
Ninnescah Valley Bank vs Farmers State Bank
Metric by metric
| Measure | Ninnescah Valley Bank | Farmers State Bank |
|---|---|---|
| TellerScore | 57 | 69 (stronger) |
| Capital cushion | 70 (stronger) | 67 |
| Loan quality | 0 | 56 (stronger) |
| Earnings | 73 (stronger) | 58 |
| Funding & liquidity | 93 | 99 (stronger) |
| Problem-loan coverage | 70 | 87 (stronger) |
| Peer percentile | 16th | 37th |
| Total assets | $44.6M | $42.8M |
| Deposits / shares | $40.5M | $36.2M |
| Capital ratio | 12.04% (stronger) | 11.73% |
| Problem loans | 3.54% | 1.32% (stronger) |
| Net charge-offs | 0.03% | -0.02% (stronger) |
| Return on assets | 1.32% (stronger) | 0.96% |
| Loans ÷ deposits | 44.4% (stronger) | 61.2% |
| Uninsured deposits | 21.6% | 14.3% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank has the higher TellerScore (69 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Ninnescah Valley Bank leads on 3 and Farmers State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.