Side-by-side · Q2 2026 data
Wray State Bank vs Farmers Bank
Metric by metric
| Measure | Wray State Bank | Farmers Bank |
|---|---|---|
| TellerScore | 61 (stronger) | 51 |
| Capital cushion | 49 | 80 (stronger) |
| Loan quality | 50 (stronger) | 0 |
| Earnings | 75 | 90 (stronger) |
| Funding & liquidity | 74 (stronger) | 60 |
| Problem-loan coverage | 80 (stronger) | 0 |
| Peer percentile | 20th | 8th |
| Total assets | $312.0M | $297.3M |
| Deposits / shares | $277.8M | $275.9M |
| Capital ratio | 9.92% | 13.02% (stronger) |
| Problem loans | 1.50% (stronger) | 6.35% |
| Net charge-offs | 0.04% (stronger) | 0.18% |
| Return on assets | 1.37% | 1.76% (stronger) |
| Loans ÷ deposits | 80.2% | 60.6% (stronger) |
| Uninsured deposits | 20.6% (stronger) | 51.2% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Wray State Bank has the higher TellerScore (61 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Wray State Bank leads on 4 and Farmers Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.