Side-by-side · Q2 2026 data
The First National Bank of Waverly vs Farmers State Bank
Metric by metric
| Measure | The First National Bank of Waverly | Farmers State Bank |
|---|---|---|
| TellerScore | 41 | 72 (stronger) |
| Capital cushion | 42 | 43 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 50 | 63 (stronger) |
| Funding & liquidity | 83 (stronger) | 81 |
| Problem-loan coverage | 64 | 97 (stronger) |
| Peer percentile | 3rd | 50th |
| Total assets | $196.2M | $187.5M |
| Deposits / shares | $172.6M | $163.0M |
| Capital ratio | 9.22% | 9.30% (stronger) |
| Problem loans | 3.61% | 0.00% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.07% |
| Return on assets | 0.74% | 1.07% (stronger) |
| Loans ÷ deposits | 54.3% (stronger) | 77.7% |
| Uninsured deposits | 30.6% | 17.0% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank has the higher TellerScore (72 vs 41). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Waverly leads on 2 and Farmers State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.