Side-by-side · Q2 2026 data
The Farmers Bank and Savings Company vs The Citizens Bank Company
Metric by metric
| Measure | The Farmers Bank and Savings Company | The Citizens Bank Company |
|---|---|---|
| TellerScore | 61 | 86 (stronger) |
| Capital cushion | 42 | 86 (stronger) |
| Loan quality | 68 | 87 (stronger) |
| Earnings | 52 | 78 (stronger) |
| Funding & liquidity | 82 | 86 (stronger) |
| Problem-loan coverage | 86 | 97 (stronger) |
| Peer percentile | 20th | 90th |
| Total assets | $472.0M | $334.6M |
| Deposits / shares | $425.5M | $291.0M |
| Capital ratio | 9.25% | 13.56% (stronger) |
| Problem loans | 0.97% | 0.39% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.03% |
| Return on assets | 0.80% | 1.46% (stronger) |
| Loans ÷ deposits | 78.5% | 63.8% (stronger) |
| Uninsured deposits | 13.3% (stronger) | 24.5% |
| Offices | 8 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank Company has the higher TellerScore (86 vs 61). On the 7 directional measures above (where higher or lower is clearly better), The Farmers Bank and Savings Company leads on 2 and The Citizens Bank Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.