Side-by-side · Q2 2026 data
The Farmers Bank and Savings Company vs The St. Henry Bank
Metric by metric
| Measure | The Farmers Bank and Savings Company | The St. Henry Bank |
|---|---|---|
| TellerScore | 61 | 92 (stronger) |
| Capital cushion | 42 | 86 (stronger) |
| Loan quality | 68 | 97 (stronger) |
| Earnings | 52 | 100 (stronger) |
| Funding & liquidity | 82 (stronger) | 77 |
| Problem-loan coverage | 86 | 99 (stronger) |
| Peer percentile | 20th | 97th |
| Total assets | $472.0M | $435.6M |
| Deposits / shares | $425.5M | $384.5M |
| Capital ratio | 9.25% | 13.61% (stronger) |
| Problem loans | 0.97% | 0.10% (stronger) |
| Net charge-offs | 0.02% | -0.16% (stronger) |
| Return on assets | 0.80% | 2.57% (stronger) |
| Loans ÷ deposits | 78.5% | 63.6% (stronger) |
| Uninsured deposits | 13.3% (stronger) | 32.3% |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The St. Henry Bank has the higher TellerScore (92 vs 61). On the 7 directional measures above (where higher or lower is clearly better), The Farmers Bank and Savings Company leads on 1 and The St. Henry Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.