Side-by-side · Q2 2026 data
ACB Bank vs First State Bank
Metric by metric
| Measure | ACB Bank | First State Bank |
|---|---|---|
| TellerScore | 64 | 74 (stronger) |
| Capital cushion | 72 (stronger) | 62 |
| Loan quality | 41 | 89 (stronger) |
| Earnings | 76 (stronger) | 62 |
| Funding & liquidity | 61 | 71 (stronger) |
| Problem-loan coverage | 80 | 97 (stronger) |
| Peer percentile | 26th | 57th |
| Total assets | $135.5M | $139.6M |
| Deposits / shares | $114.8M | $130.5M |
| Capital ratio | 12.24% (stronger) | 11.21% |
| Problem loans | 1.77% | 0.34% (stronger) |
| Net charge-offs | 1.06% | 0.09% (stronger) |
| Return on assets | 1.40% (stronger) | 1.05% |
| Loans ÷ deposits | 88.4% | 30.6% (stronger) |
| Uninsured deposits | 24.2% (stronger) | 41.4% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (74 vs 64). On the 7 directional measures above (where higher or lower is clearly better), ACB Bank leads on 3 and First State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.