Side-by-side · Q2 2026 data
Bank of Holly Springs vs First State Bank
Metric by metric
| Measure | Bank of Holly Springs | First State Bank |
|---|---|---|
| TellerScore | 52 | 57 (stronger) |
| Capital cushion | 81 (stronger) | 57 |
| Loan quality | 0 | 61 (stronger) |
| Earnings | 72 (stronger) | 34 |
| Funding & liquidity | 55 | 65 (stronger) |
| Problem-loan coverage | 54 | 81 (stronger) |
| Peer percentile | 8th | 14th |
| Total assets | $587.5M | $951.5M |
| Deposits / shares | $490.8M | $828.0M |
| Capital ratio | 13.09% (stronger) | 10.67% |
| Problem loans | 4.61% | 1.18% (stronger) |
| Net charge-offs | 2.13% | 0.11% (stronger) |
| Return on assets | 1.30% (stronger) | 0.34% |
| Loans ÷ deposits | 86.3% | 63.8% (stronger) |
| Uninsured deposits | 32.0% (stronger) | 42.8% |
| Offices | 9 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.0% | 8.9% |
First State Bank has the higher TellerScore (57 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Bank of Holly Springs leads on 3 and First State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.