Side-by-side · Q2 2026 data
Bank of Hydro vs First State Bank
Metric by metric
| Measure | Bank of Hydro | First State Bank |
|---|---|---|
| TellerScore | 76 | 82 (stronger) |
| Capital cushion | 66 | 82 (stronger) |
| Loan quality | 79 (stronger) | 57 |
| Earnings | 100 | 100 |
| Funding & liquidity | 52 | 94 (stronger) |
| Problem-loan coverage | 90 (stronger) | 89 |
| Peer percentile | 64th | 70th |
| Total assets | $180.8M | $89.8M |
| Deposits / shares | $156.9M | $79.2M |
| Capital ratio | 11.56% | 13.18% (stronger) |
| Problem loans | 0.64% (stronger) | 1.28% |
| Net charge-offs | -0.05% (stronger) | 0.00% |
| Return on assets | 2.70% (stronger) | 2.09% |
| Loans ÷ deposits | 102.0% | 61.3% (stronger) |
| Uninsured deposits | 20.8% | 18.8% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (82 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Bank of Hydro leads on 3 and First State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.