Side-by-side · Q2 2026 data
The Citizens Bank of Cochran vs Farmers State Bank
Metric by metric
| Measure | The Citizens Bank of Cochran | Farmers State Bank |
|---|---|---|
| TellerScore | 90 | 90 |
| Capital cushion | 98 (stronger) | 89 |
| Loan quality | 89 | 91 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 62 | 70 (stronger) |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 95th | 95th |
| Total assets | $201.4M | $156.2M |
| Deposits / shares | $169.1M | $134.3M |
| Capital ratio | 14.76% (stronger) | 13.92% |
| Problem loans | 0.33% | 0.28% (stronger) |
| Net charge-offs | 0.17% | 0.01% (stronger) |
| Return on assets | 2.01% | 2.15% (stronger) |
| Loans ÷ deposits | 98.2% | 90.3% (stronger) |
| Uninsured deposits | 15.6% | 15.1% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The Citizens Bank of Cochran leads on 1 and Farmers State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.