Side-by-side · Q2 2026 data
Pocahontas State Bank vs Farmers State Bank
Metric by metric
| Measure | Pocahontas State Bank | Farmers State Bank |
|---|---|---|
| TellerScore | 71 | 76 (stronger) |
| Capital cushion | 100 (stronger) | 77 |
| Loan quality | 36 | 70 (stronger) |
| Earnings | 40 | 82 (stronger) |
| Funding & liquidity | 98 (stronger) | 67 |
| Problem-loan coverage | 95 (stronger) | 90 |
| Peer percentile | 47th | 64th |
| Total assets | $122.6M | $150.5M |
| Deposits / shares | $83.1M | $130.7M |
| Capital ratio | 26.35% (stronger) | 12.70% |
| Problem loans | 1.93% | 0.91% (stronger) |
| Net charge-offs | 0.17% | -0.03% (stronger) |
| Return on assets | 0.50% | 1.55% (stronger) |
| Loans ÷ deposits | 52.7% (stronger) | 83.4% |
| Uninsured deposits | 17.0% (stronger) | 23.6% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank has the higher TellerScore (76 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Pocahontas State Bank leads on 3 and Farmers State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.