Side-by-side · Q2 2026 data
BankCherokee vs First State Bank Southwest
Metric by metric
| Measure | BankCherokee | First State Bank Southwest |
|---|---|---|
| TellerScore | 68 | 70 (stronger) |
| Capital cushion | 60 (stronger) | 47 |
| Loan quality | 94 (stronger) | 76 |
| Earnings | 26 | 66 (stronger) |
| Funding & liquidity | 74 | 97 (stronger) |
| Problem-loan coverage | 98 (stronger) | 89 |
| Peer percentile | 37th | 43rd |
| Total assets | $401.9M | $409.9M |
| Deposits / shares | $333.5M | $350.8M |
| Capital ratio | 11.01% (stronger) | 9.69% |
| Problem loans | 0.17% (stronger) | 0.71% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 0.15% | 1.16% (stronger) |
| Loans ÷ deposits | 86.6% | 63.0% (stronger) |
| Uninsured deposits | 13.9% (stronger) | 15.5% |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | 0.8% |
First State Bank Southwest has the higher TellerScore (70 vs 68). On the 7 directional measures above (where higher or lower is clearly better), BankCherokee leads on 4 and First State Bank Southwest on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.