Side-by-side · Q2 2026 data
The State Bank vs Farmers Savings Bank
Metric by metric
| Measure | The State Bank | Farmers Savings Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 46 |
| Capital cushion | 67 | 76 (stronger) |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 67 (stronger) | 50 |
| Funding & liquidity | 100 (stronger) | 48 |
| Problem-loan coverage | 90 (stronger) | 57 |
| Peer percentile | 73rd | 5th |
| Total assets | $88.4M | $215.3M |
| Deposits / shares | $80.3M | $173.7M |
| Capital ratio | 11.73% | 12.59% (stronger) |
| Problem loans | 0.00% (stronger) | 3.48% |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 1.18% (stronger) | 0.75% |
| Loans ÷ deposits | 52.1% (stronger) | 99.0% |
| Uninsured deposits | 15.4% (stronger) | 27.0% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The State Bank has the higher TellerScore (83 vs 46). On the 7 directional measures above (where higher or lower is clearly better), The State Bank leads on 5 and Farmers Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Spirit Lake, IA