Side-by-side · Q2 2026 data
Bank of the Southwest vs First State Bank
Metric by metric
| Measure | Bank of the Southwest | First State Bank |
|---|---|---|
| TellerScore | 64 | 84 (stronger) |
| Capital cushion | 44 | 93 (stronger) |
| Loan quality | 76 | 99 (stronger) |
| Earnings | 63 (stronger) | 60 |
| Funding & liquidity | 68 (stronger) | 60 |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 26th | 86th |
| Total assets | $176.3M | $188.0M |
| Deposits / shares | $159.0M | $160.5M |
| Capital ratio | 9.36% | 14.27% (stronger) |
| Problem loans | 0.73% | 0.03% (stronger) |
| Net charge-offs | 0.08% | -0.05% (stronger) |
| Return on assets | 1.07% (stronger) | 1.01% |
| Loans ÷ deposits | 75.6% | 6.5% (stronger) |
| Uninsured deposits | 30.4% (stronger) | 50.9% |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.4% | — |
First State Bank has the higher TellerScore (84 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Bank of the Southwest leads on 2 and First State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.