Side-by-side · Q2 2026 data
Waterman Bank vs Farmers State Bank of Western Illinois
Metric by metric
| Measure | Waterman Bank | Farmers State Bank of Western Illinois |
|---|---|---|
| TellerScore | 60 | 74 (stronger) |
| Capital cushion | 82 | 91 (stronger) |
| Loan quality | 41 | 42 (stronger) |
| Earnings | 39 | 68 (stronger) |
| Funding & liquidity | 60 | 94 (stronger) |
| Problem-loan coverage | 83 | 88 (stronger) |
| Peer percentile | 19th | 57th |
| Total assets | $173.6M | $167.3M |
| Deposits / shares | $144.3M | $143.4M |
| Capital ratio | 13.20% | 14.08% (stronger) |
| Problem loans | 1.78% | 1.74% (stronger) |
| Net charge-offs | 0.10% | 0.03% (stronger) |
| Return on assets | 0.47% | 1.19% (stronger) |
| Loans ÷ deposits | 86.5% | 51.0% (stronger) |
| Uninsured deposits | 27.1% | 20.7% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank of Western Illinois has the higher TellerScore (74 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Waterman Bank leads on 0 and Farmers State Bank of Western Illinois on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.