Side-by-side · Q2 2026 data
Union State Bank vs Farmers Savings Bank
Metric by metric
| Measure | Union State Bank | Farmers Savings Bank |
|---|---|---|
| TellerScore | 70 | 85 (stronger) |
| Capital cushion | 31 | 100 (stronger) |
| Loan quality | 100 (stronger) | 81 |
| Earnings | 66 | 78 (stronger) |
| Funding & liquidity | 81 (stronger) | 66 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 43rd | 88th |
| Total assets | $136.5M | $140.3M |
| Deposits / shares | $125.3M | $115.3M |
| Capital ratio | 8.12% | 16.51% (stronger) |
| Problem loans | 0.00% (stronger) | 0.57% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.15% | 1.46% (stronger) |
| Loans ÷ deposits | 68.6% (stronger) | 88.3% |
| Uninsured deposits | 25.0% | 20.0% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.4% | 4.1% |
Farmers Savings Bank has the higher TellerScore (85 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 2 and Farmers Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.