Side-by-side · Q2 2026 data
The Citizens National Bank of Somerset vs Farmers Bank and Trust Company
Metric by metric
| Measure | The Citizens National Bank of Somerset | Farmers Bank and Trust Company |
|---|---|---|
| TellerScore | 75 (stronger) | 74 |
| Capital cushion | 40 | 42 (stronger) |
| Loan quality | 94 (stronger) | 92 |
| Earnings | 89 | 94 (stronger) |
| Funding & liquidity | 81 (stronger) | 67 |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 61st | 57th |
| Total assets | $700.9M | $794.0M |
| Deposits / shares | $569.0M | $699.2M |
| Capital ratio | 9.02% | 9.24% (stronger) |
| Problem loans | 0.18% (stronger) | 0.23% |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 1.73% | 1.86% (stronger) |
| Loans ÷ deposits | 66.5% (stronger) | 93.7% |
| Uninsured deposits | 26.2% | 11.8% (stronger) |
| Offices | 11 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.3% | 10.5% |
The Citizens National Bank of Somerset has the higher TellerScore (75 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Somerset leads on 4 and Farmers Bank and Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.