Side-by-side · Q2 2026 data
Ventura National Bank & Trust vs Farmers State Bank
Metric by metric
| Measure | Ventura National Bank & Trust | Farmers State Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 69 |
| Capital cushion | 100 (stronger) | 67 |
| Loan quality | 97 (stronger) | 56 |
| Earnings | 2 | 58 (stronger) |
| Funding & liquidity | 50 | 99 (stronger) |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 45th | 37th |
| Total assets | $41.7M | $42.8M |
| Deposits / shares | $32.8M | $36.2M |
| Capital ratio | 17.95% (stronger) | 11.73% |
| Problem loans | 0.09% (stronger) | 1.32% |
| Net charge-offs | 0.14% | -0.02% (stronger) |
| Return on assets | -0.46% | 0.96% (stronger) |
| Loans ÷ deposits | 111.1% | 61.2% (stronger) |
| Uninsured deposits | 11.6% (stronger) | 14.3% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ventura National Bank & Trust has the higher TellerScore (72 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Ventura National Bank & Trust leads on 4 and Farmers State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.