Side-by-side · Q2 2026 data
The Farmers State Bank vs The Bank of the West
Metric by metric
| Measure | The Farmers State Bank | The Bank of the West |
|---|---|---|
| TellerScore | 70 (stronger) | 62 |
| Capital cushion | 43 | 55 (stronger) |
| Loan quality | 74 (stronger) | 26 |
| Earnings | 83 | 100 (stronger) |
| Funding & liquidity | 91 (stronger) | 81 |
| Problem-loan coverage | 83 (stronger) | 73 |
| Peer percentile | 43rd | 22nd |
| Total assets | $193.9M | $192.4M |
| Deposits / shares | $182.1M | $171.2M |
| Capital ratio | 9.30% | 10.49% (stronger) |
| Problem loans | 0.79% (stronger) | 2.22% |
| Net charge-offs | 0.49% | -0.01% (stronger) |
| Return on assets | 1.59% | 2.05% (stronger) |
| Loans ÷ deposits | 68.9% (stronger) | 77.5% |
| Uninsured deposits | 12.4% (stronger) | 16.7% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Farmers State Bank has the higher TellerScore (70 vs 62). On the 7 directional measures above (where higher or lower is clearly better), The Farmers State Bank leads on 4 and The Bank of the West on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.