Side-by-side · Q2 2026 data
1st Financial Bank USA vs Midstates Bank, National Association
Metric by metric
| Measure | 1st Financial Bank USA | Midstates Bank, National Association |
|---|---|---|
| TellerScore | 74 | 79 (stronger) |
| Capital cushion | 100 (stronger) | 66 |
| Loan quality | 50 | 90 (stronger) |
| Earnings | 59 | 80 (stronger) |
| Funding & liquidity | 72 (stronger) | 70 |
| Problem-loan coverage | 87 | 97 (stronger) |
| Peer percentile | 74th | 75th |
| Total assets | $1.4B | $653.9M |
| Deposits / shares | $1.1B | $570.2M |
| Capital ratio | 16.34% (stronger) | 11.60% |
| Problem loans | 1.51% | 0.29% (stronger) |
| Net charge-offs | 2.29% | 0.02% (stronger) |
| Return on assets | 0.98% | 1.49% (stronger) |
| Loans ÷ deposits | 88.7% | 73.7% (stronger) |
| Uninsured deposits | 2.0% (stronger) | 30.2% |
| Offices | 2 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.0% |
Midstates Bank, National Association has the higher TellerScore (79 vs 74). On the 7 directional measures above (where higher or lower is clearly better), 1st Financial Bank USA leads on 2 and Midstates Bank, National Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.