Side-by-side · Q2 2026 data
The Farmers State Bank vs The First National Bank of Fort Smith
Metric by metric
| Measure | The Farmers State Bank | The First National Bank of Fort Smith |
|---|---|---|
| TellerScore | 70 | 78 (stronger) |
| Capital cushion | 43 | 61 (stronger) |
| Loan quality | 74 | 85 (stronger) |
| Earnings | 83 | 100 (stronger) |
| Funding & liquidity | 91 (stronger) | 60 |
| Problem-loan coverage | 83 | 95 (stronger) |
| Peer percentile | 43rd | 86th |
| Total assets | $193.9M | $2.3B |
| Deposits / shares | $182.1M | $2.0B |
| Capital ratio | 9.30% | 11.08% (stronger) |
| Problem loans | 0.79% | 0.44% (stronger) |
| Net charge-offs | 0.49% | 0.03% (stronger) |
| Return on assets | 1.59% | 2.04% (stronger) |
| Loans ÷ deposits | 68.9% (stronger) | 77.4% |
| Uninsured deposits | 12.4% (stronger) | 35.6% |
| Offices | 4 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.2% |
The First National Bank of Fort Smith has the higher TellerScore (78 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Farmers State Bank leads on 2 and The First National Bank of Fort Smith 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.
Where both have branches
- Stigler, OK