Raritan State Bank vs Farmers State Bank Of Emden
Comparing a Bank in Raritan, IL with a Bank in Emden, IL using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Raritan State Bank ↗ Bank · Raritan, IL · Est. 1920 | Farmers State Bank Of Emden ↗ Bank · Emden, IL · Est. 1891 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Raritan, IL | Emden, IL |
| Total assets | $255.4M | $38.3M |
| Capital ratio | 11.0% | 29.1% |
| Return on assets | 1.0% | 1.4% |
| Deposits | $225.3M | $26.9M |
| Branches | 3 | 1 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 328 | #2 of 328 |
| Established | 1920 | 1891 |
Raritan State Bank
- Assets: $255.4M
- Deposits: $225.3M
- Capital ratio: 11.0%
- Return on assets: 1.0%
- CFPB complaints: 0
- State rank: #4 of 328
Farmers State Bank Of Emden
- Assets: $38.3M
- Deposits: $26.9M
- Capital ratio: 29.1%
- Return on assets: 1.4%
- CFPB complaints: 0
- State rank: #2 of 328
Are both institutions federally insured?
Yes. Raritan State Bank is FDIC-insured and Farmers State Bank Of Emden is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Raritan State Bank or Farmers State Bank Of Emden?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Raritan State Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Raritan State Bank safe?
Yes — Raritan State Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Farmers State Bank Of Emden safe?
Yes — Farmers State Bank Of Emden is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Raritan State Bank vs Farmers State Bank Of Emden?
Raritan State Bank has a capital ratio of 11.0%, placing it in the top 37% of $100M–1B peers. Farmers State Bank Of Emden's ratio is 29.1%, placing it in the top 7% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Raritan State Bank have compared to Farmers State Bank Of Emden?
The CFPB database shows 0 complaints against Raritan State Bank, and 0 complaints against Farmers State Bank Of Emden. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Raritan State Bank with other Banks in Illinois
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
