Side-by-side · Q2 2026 data
United Bank of Iowa vs Farmers State Bank
Metric by metric
| Measure | United Bank of Iowa | Farmers State Bank |
|---|---|---|
| TellerScore | 73 | 76 (stronger) |
| Capital cushion | 53 | 77 (stronger) |
| Loan quality | 91 (stronger) | 70 |
| Earnings | 72 | 82 (stronger) |
| Funding & liquidity | 72 (stronger) | 67 |
| Problem-loan coverage | 96 (stronger) | 90 |
| Peer percentile | 70th | 64th |
| Total assets | $2.5B | $150.5M |
| Deposits / shares | $2.0B | $130.7M |
| Capital ratio | 10.34% | 12.70% (stronger) |
| Problem loans | 0.26% (stronger) | 0.91% |
| Net charge-offs | -0.01% | -0.03% (stronger) |
| Return on assets | 1.29% | 1.55% (stronger) |
| Loans ÷ deposits | 84.4% | 83.4% (stronger) |
| Uninsured deposits | 18.2% (stronger) | 23.6% |
| Offices | 36 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.4% | — |
Farmers State Bank has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), United Bank of Iowa leads on 2 and Farmers State Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.