Side-by-side · Q2 2026 data
The Havana National Bank vs Farmers State Bank
Metric by metric
| Measure | The Havana National Bank | Farmers State Bank |
|---|---|---|
| TellerScore | 55 | 88 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 10 | 92 (stronger) |
| Earnings | 85 (stronger) | 76 |
| Funding & liquidity | 48 | 67 (stronger) |
| Problem-loan coverage | 69 | 96 (stronger) |
| Peer percentile | 11th | 92nd |
| Total assets | $332.8M | $339.8M |
| Deposits / shares | $234.2M | $285.8M |
| Capital ratio | 12.17% | 15.02% (stronger) |
| Problem loans | 2.69% | 0.23% (stronger) |
| Net charge-offs | 0.04% | 0.01% (stronger) |
| Return on assets | 1.63% (stronger) | 1.40% |
| Loans ÷ deposits | 98.1% | 89.0% (stronger) |
| Uninsured deposits | 28.0% | 19.2% (stronger) |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.5% | 7.5% |
Farmers State Bank has the higher TellerScore (88 vs 55). On the 7 directional measures above (where higher or lower is clearly better), The Havana National Bank leads on 1 and Farmers State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.