Side-by-side · Q2 2026 data
The Farmers State Bank of Oakley, Kansas vs Guaranty State Bank and Trust Company
Metric by metric
| Measure | The Farmers State Bank of Oakley, Kansas | Guaranty State Bank and Trust Company |
|---|---|---|
| TellerScore | 76 (stronger) | 72 |
| Capital cushion | 66 | 66 |
| Loan quality | 100 (stronger) | 80 |
| Earnings | 73 (stronger) | 62 |
| Funding & liquidity | 43 | 69 (stronger) |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 64th | 50th |
| Total assets | $396.1M | $381.4M |
| Deposits / shares | $295.1M | $324.6M |
| Capital ratio | 11.61% (stronger) | 11.60% |
| Problem loans | 0.01% (stronger) | 0.60% |
| Net charge-offs | 0.03% | -0.01% (stronger) |
| Return on assets | 1.32% (stronger) | 1.05% |
| Loans ÷ deposits | 89.3% | 79.0% (stronger) |
| Uninsured deposits | 39.9% | 26.1% (stronger) |
| Offices | 3 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Farmers State Bank of Oakley, Kansas has the higher TellerScore (76 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The Farmers State Bank of Oakley, Kansas leads on 4 and Guaranty State Bank and Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.