Side-by-side · Q2 2026 data
Tensas State Bank vs Farmers State Bank & Trust Co.
Metric by metric
| Measure | Tensas State Bank | Farmers State Bank & Trust Co. |
|---|---|---|
| TellerScore | 59 (stronger) | 56 |
| Capital cushion | 89 (stronger) | 41 |
| Loan quality | 0 | 8 (stronger) |
| Earnings | 74 | 97 (stronger) |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 61 | 70 (stronger) |
| Peer percentile | 17th | 13th |
| Total assets | $185.5M | $174.7M |
| Deposits / shares | $158.5M | $159.7M |
| Capital ratio | 13.87% (stronger) | 9.10% |
| Problem loans | 3.43% | 2.76% (stronger) |
| Net charge-offs | 0.39% | 0.13% (stronger) |
| Return on assets | 1.34% | 1.93% (stronger) |
| Loans ÷ deposits | 75.2% | 50.7% (stronger) |
| Uninsured deposits | 25.0% | 15.2% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.0% |
Tensas State Bank has the higher TellerScore (59 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Tensas State Bank leads on 2 and Farmers State Bank & Trust Co. on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.