Side-by-side · Q2 2026 data
The Farmers State Bank vs Firelands Federal Credit Union
Metric by metric
| Measure | The Farmers State Bank | Firelands Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 68 |
| Capital cushion | 59 (stronger) | 46 |
| Loan quality | 91 (stronger) | 73 |
| Earnings | 73 (stronger) | 66 |
| Funding & liquidity | 68 | 93 (stronger) |
| Problem-loan coverage | 97 (stronger) | 90 |
| Peer percentile | 61st | 45th |
| Total assets | $329.6M | $579.9M |
| Deposits / shares | $289.6M | $525.1M |
| Capital ratio | 10.86% (stronger) | 9.62% |
| Problem loans | 0.28% (stronger) | 0.82% |
| Net charge-offs | 0.06% (stronger) | 0.62% |
| Return on assets | 1.34% (stronger) | 1.15% |
| Loans ÷ deposits | 80.1% | 67.6% (stronger) |
| Uninsured deposits | 25.9% | 6.3% (stronger) |
| Offices | 9 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | — |
The Farmers State Bank has the higher TellerScore (75 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The Farmers State Bank leads on 5 and Firelands Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.