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 | 90 (stronger) |
| Capital cushion | 53 | 70 (stronger) |
| Loan quality | 91 | 100 (stronger) |
| Earnings | 72 | 100 (stronger) |
| Funding & liquidity | 72 | 92 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 70th | 89th |
| Total assets | $2.5B | $72.6M |
| Deposits / shares | $2.0B | $64.2M |
| Capital ratio | 10.34% | 12.03% (stronger) |
| Problem loans | 0.26% | 0.00% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.29% | 2.09% (stronger) |
| Loans ÷ deposits | 84.4% | 62.6% (stronger) |
| Uninsured deposits | 18.2% (stronger) | 20.4% |
| Offices | 36 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.4% | — |
Farmers State Bank has the higher TellerScore (90 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.