Side-by-side · Q2 2026 data
The Farmers Bank vs St. Thomas Credit Union
Metric by metric
| Measure | The Farmers Bank | St. Thomas Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 59 |
| Capital cushion | 100 (stronger) | 73 |
| Loan quality | 82 (stronger) | 38 |
| Earnings | 87 (stronger) | 43 |
| Funding & liquidity | 74 (stronger) | 72 |
| Problem-loan coverage | 95 (stronger) | 77 |
| Peer percentile | 94th | 20th |
| Total assets | $942.8M | $38.3M |
| Deposits / shares | $800.0M | $33.4M |
| Capital ratio | 15.09% (stronger) | 12.26% |
| Problem loans | 0.53% (stronger) | 1.86% |
| Net charge-offs | 0.10% | 0.04% (stronger) |
| Return on assets | 1.67% (stronger) | 0.58% |
| Loans ÷ deposits | 77.6% (stronger) | 88.0% |
| Uninsured deposits | 22.6% | 8.0% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | — |
The Farmers Bank has the higher TellerScore (89 vs 59). On the 7 directional measures above (where higher or lower is clearly better), The Farmers Bank leads on 5 and St. Thomas Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.