Side-by-side · Q2 2026 data
The Farmers State Bank vs United Bank & Trust
Metric by metric
| Measure | The Farmers State Bank | United Bank & Trust |
|---|---|---|
| TellerScore | 75 | 79 (stronger) |
| Capital cushion | 52 | 65 (stronger) |
| Loan quality | 78 | 100 (stronger) |
| Earnings | 81 | 81 |
| Funding & liquidity | 96 (stronger) | 58 |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 54th | 75th |
| Total assets | $26.6M | $892.9M |
| Deposits / shares | $21.2M | $714.1M |
| Capital ratio | 10.20% | 11.51% (stronger) |
| Problem loans | 0.66% | 0.00% (stronger) |
| Net charge-offs | 0.09% | -0.00% (stronger) |
| Return on assets | 1.52% | 1.53% (stronger) |
| Loans ÷ deposits | 64.7% (stronger) | 92.9% |
| Uninsured deposits | 5.5% (stronger) | 23.5% |
| Offices | 1 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.2% |
United Bank & Trust has the higher TellerScore (79 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The Farmers State Bank leads on 2 and United Bank & Trust on 5. 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.