Side-by-side · Q2 2026 data
The Baldwin State Bank vs Farmers Bank & Trust
Metric by metric
| Measure | The Baldwin State Bank | Farmers Bank & Trust |
|---|---|---|
| TellerScore | 75 | 96 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 99 (stronger) | 94 |
| Earnings | 59 | 100 (stronger) |
| Funding & liquidity | 90 (stronger) | 87 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 61st | 100th |
| Total assets | $115.5M | $1.1B |
| Deposits / shares | $102.6M | $699.1M |
| Capital ratio | 10.14% | 23.97% (stronger) |
| Problem loans | 0.04% (stronger) | 0.19% |
| Net charge-offs | -0.01% (stronger) | -0.00% |
| Return on assets | 0.98% | 2.56% (stronger) |
| Loans ÷ deposits | 46.1% (stronger) | 71.3% |
| Uninsured deposits | 23.9% | 16.6% (stronger) |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 11.7% |
Farmers Bank & Trust has the higher TellerScore (96 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The Baldwin State Bank leads on 3 and Farmers Bank & Trust on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.