Side-by-side · Q2 2026 data
Availa Bank vs First State Bank
Metric by metric
| Measure | Availa Bank | First State Bank |
|---|---|---|
| TellerScore | 65 | 81 (stronger) |
| Capital cushion | 43 | 74 (stronger) |
| Loan quality | 91 | 96 (stronger) |
| Earnings | 58 | 75 (stronger) |
| Funding & liquidity | 55 | 65 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 36th | 80th |
| Total assets | $1.7B | $674.3M |
| Deposits / shares | $1.4B | $572.2M |
| Capital ratio | 9.33% | 12.40% (stronger) |
| Problem loans | 0.26% | 0.12% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 0.95% | 1.38% (stronger) |
| Loans ÷ deposits | 82.8% (stronger) | 86.5% |
| Uninsured deposits | 35.2% | 22.4% (stronger) |
| Offices | 12 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | — |
First State Bank has the higher TellerScore (81 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Availa Bank leads on 1 and First State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Fort Dodge, IA
- Jewell, IA
- Webster City, IA