Side-by-side · Q2 2026 data
The Harvard State Bank vs Farmers State Bank
Metric by metric
| Measure | The Harvard State Bank | Farmers State Bank |
|---|---|---|
| TellerScore | 70 | 88 (stronger) |
| Capital cushion | 38 | 100 (stronger) |
| Loan quality | 91 | 92 (stronger) |
| Earnings | 65 | 76 (stronger) |
| Funding & liquidity | 85 (stronger) | 67 |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 43rd | 92nd |
| Total assets | $331.5M | $339.8M |
| Deposits / shares | $294.0M | $285.8M |
| Capital ratio | 8.79% | 15.02% (stronger) |
| Problem loans | 0.26% | 0.23% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.13% | 1.40% (stronger) |
| Loans ÷ deposits | 65.0% (stronger) | 89.0% |
| Uninsured deposits | 24.6% | 19.2% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.4% | 7.5% |
Farmers State Bank has the higher TellerScore (88 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Harvard State Bank leads on 2 and Farmers State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.