Side-by-side · Q2 2026 data
The Farmers State Bank vs The Citizens State Bank
Metric by metric
| Measure | The Farmers State Bank | The Citizens State Bank |
|---|---|---|
| TellerScore | 78 | 95 (stronger) |
| Capital cushion | 50 | 94 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 77 | 88 (stronger) |
| Funding & liquidity | 86 | 92 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 72nd | 99th |
| Total assets | $180.5M | $450.6M |
| Deposits / shares | $158.1M | $382.3M |
| Capital ratio | 10.05% | 14.45% (stronger) |
| Problem loans | 0.01% (stronger) | 0.01% |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 1.42% | 1.69% (stronger) |
| Loans ÷ deposits | 59.0% | 57.8% (stronger) |
| Uninsured deposits | 28.1% | 22.5% (stronger) |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.3% |
The Citizens State Bank has the higher TellerScore (95 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The Farmers State Bank leads on 1 and The Citizens State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.