Side-by-side · Q2 2026 data
The First State Bank vs The Farmers State Bank
Metric by metric
| Measure | The First State Bank | The Farmers State Bank |
|---|---|---|
| TellerScore | 92 (stronger) | 83 |
| Capital cushion | 100 (stronger) | 77 |
| Loan quality | 100 (stronger) | 85 |
| Earnings | 71 | 85 (stronger) |
| Funding & liquidity | 82 (stronger) | 77 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 92nd | 73rd |
| Total assets | $84.3M | $86.3M |
| Deposits / shares | $74.1M | $74.4M |
| Capital ratio | 15.27% (stronger) | 12.74% |
| Problem loans | 0.00% (stronger) | 0.45% |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.26% | 1.62% (stronger) |
| Loans ÷ deposits | 49.5% (stronger) | 67.4% |
| Uninsured deposits | 31.5% | 29.4% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.9% |
The First State Bank has the higher TellerScore (92 vs 83). On the 7 directional measures above (where higher or lower is clearly better), The First State Bank leads on 4 and The Farmers State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.