Side-by-side · Q2 2026 data
The Farmers Bank and Savings Company vs Ohio State Bank
Metric by metric
| Measure | The Farmers Bank and Savings Company | Ohio State Bank |
|---|---|---|
| TellerScore | 61 | 66 (stronger) |
| Capital cushion | 42 | 67 (stronger) |
| Loan quality | 68 (stronger) | 66 |
| Earnings | 52 | 61 (stronger) |
| Funding & liquidity | 82 (stronger) | 55 |
| Problem-loan coverage | 86 (stronger) | 85 |
| Peer percentile | 20th | 31st |
| Total assets | $472.0M | $484.0M |
| Deposits / shares | $425.5M | $405.4M |
| Capital ratio | 9.25% | 11.69% (stronger) |
| Problem loans | 0.97% (stronger) | 1.03% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 0.80% | 1.02% (stronger) |
| Loans ÷ deposits | 78.5% (stronger) | 104.9% |
| Uninsured deposits | 13.3% (stronger) | 13.9% |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.1% |
Ohio State Bank has the higher TellerScore (66 vs 61). On the 7 directional measures above (where higher or lower is clearly better), The Farmers Bank and Savings Company leads on 3 and Ohio State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.