Side-by-side · Q2 2026 data
White State Bank vs Farmers Trust & Savings Bank
Metric by metric
| Measure | White State Bank | Farmers Trust & Savings Bank |
|---|---|---|
| TellerScore | 73 | 87 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 56 | 89 (stronger) |
| Earnings | 85 | 100 (stronger) |
| Funding & liquidity | 92 (stronger) | 33 |
| Problem-loan coverage | 92 | 97 (stronger) |
| Peer percentile | 53rd | 91st |
| Total assets | $109.0M | $191.6M |
| Deposits / shares | $96.4M | $138.1M |
| Capital ratio | 11.16% | 23.08% (stronger) |
| Problem loans | 1.31% | 0.34% (stronger) |
| Net charge-offs | -0.02% (stronger) | -0.01% |
| Return on assets | 1.62% | 2.78% (stronger) |
| Loans ÷ deposits | 38.8% (stronger) | 108.2% |
| Uninsured deposits | 22.2% (stronger) | 31.9% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers Trust & Savings Bank has the higher TellerScore (87 vs 73). On the 7 directional measures above (where higher or lower is clearly better), White State Bank leads on 3 and Farmers Trust & Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.