Side-by-side · Q2 2026 data
The Farmers Bank vs Citizens Guaranty Bank
Metric by metric
| Measure | The Farmers Bank | Citizens Guaranty Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 48 |
| Capital cushion | 60 (stronger) | 36 |
| Loan quality | 100 (stronger) | 30 |
| Earnings | 61 | 80 (stronger) |
| Funding & liquidity | 83 (stronger) | 53 |
| Problem-loan coverage | 100 (stronger) | 53 |
| Peer percentile | 72nd | 6th |
| Total assets | $282.7M | $303.6M |
| Deposits / shares | $250.7M | $260.7M |
| Capital ratio | 11.00% (stronger) | 8.65% |
| Problem loans | 0.00% (stronger) | 2.11% |
| Net charge-offs | 0.07% (stronger) | 0.32% |
| Return on assets | 1.03% | 1.51% (stronger) |
| Loans ÷ deposits | 71.6% (stronger) | 107.0% |
| Uninsured deposits | 19.9% | 14.1% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.7% | — |
The Farmers Bank has the higher TellerScore (78 vs 48). On the 7 directional measures above (where higher or lower is clearly better), The Farmers Bank leads on 5 and Citizens Guaranty Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.