Side-by-side · Q2 2026 data
The Farmers State Bank vs Salina Municipal Credit Union
Metric by metric
| Measure | The Farmers State Bank | Salina Municipal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 55 |
| Capital cushion | 50 (stronger) | 22 |
| Loan quality | 100 | 100 |
| Earnings | 77 (stronger) | 0 |
| Funding & liquidity | 86 | 88 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 72nd | 15th |
| Total assets | $180.5M | $1.3M |
| Deposits / shares | $158.1M | $1.2M |
| Capital ratio | 10.05% (stronger) | 7.20% |
| Problem loans | 0.01% | 0.00% (stronger) |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 1.42% (stronger) | -1.41% |
| Loans ÷ deposits | 59.0% (stronger) | 72.1% |
| Uninsured deposits | 28.1% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Farmers State Bank has the higher TellerScore (78 vs 55). On the 7 directional measures above (where higher or lower is clearly better), The Farmers State Bank leads on 4 and Salina Municipal Credit Union on 3. 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.