Side-by-side · Q2 2026 data
The Farmers State Bank vs Citizens Savings Bank
Metric by metric
| Measure | The Farmers State Bank | Citizens Savings Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 74 |
| Capital cushion | 82 (stronger) | 49 |
| Loan quality | 83 | 100 (stronger) |
| Earnings | 95 (stronger) | 63 |
| Funding & liquidity | 96 (stronger) | 79 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 86th | 51st |
| Total assets | $77.2M | $77.9M |
| Deposits / shares | $67.2M | $64.6M |
| Capital ratio | 13.19% (stronger) | 9.90% |
| Problem loans | 0.51% | 0.00% (stronger) |
| Net charge-offs | -0.07% (stronger) | 0.00% |
| Return on assets | 1.87% (stronger) | 1.07% |
| Loans ÷ deposits | 63.8% (stronger) | 76.4% |
| Uninsured deposits | 10.2% (stronger) | 19.2% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Farmers State Bank has the higher TellerScore (88 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The Farmers State Bank leads on 6 and Citizens Savings Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.