Side-by-side · Q2 2026 data
Raritan State Bank vs Farmers Savings Bank
Metric by metric
| Measure | Raritan State Bank | Farmers Savings Bank |
|---|---|---|
| TellerScore | 60 | 80 (stronger) |
| Capital cushion | 58 | 87 (stronger) |
| Loan quality | 44 | 91 (stronger) |
| Earnings | 63 (stronger) | 46 |
| Funding & liquidity | 76 | 81 (stronger) |
| Problem-loan coverage | 77 | 97 (stronger) |
| Peer percentile | 19th | 77th |
| Total assets | $253.9M | $130.5M |
| Deposits / shares | $223.6M | $111.0M |
| Capital ratio | 10.78% | 13.71% (stronger) |
| Problem loans | 1.67% | 0.27% (stronger) |
| Net charge-offs | 0.20% | 0.05% (stronger) |
| Return on assets | 1.06% (stronger) | 0.65% |
| Loans ÷ deposits | 84.1% | 79.5% (stronger) |
| Uninsured deposits | 7.2% (stronger) | 14.2% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers Savings Bank has the higher TellerScore (80 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Raritan State Bank leads on 2 and Farmers Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.