Side-by-side · Q2 2026 data
Breda Savings Bank vs First State Bank
Metric by metric
| Measure | Breda Savings Bank | First State Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 81 |
| Capital cushion | 59 | 74 (stronger) |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 85 (stronger) | 75 |
| Funding & liquidity | 79 (stronger) | 65 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 82nd | 80th |
| Total assets | $106.0M | $674.3M |
| Deposits / shares | $84.7M | $572.2M |
| Capital ratio | 10.88% | 12.40% (stronger) |
| Problem loans | 0.00% (stronger) | 0.12% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.62% (stronger) | 1.38% |
| Loans ÷ deposits | 65.7% (stronger) | 86.5% |
| Uninsured deposits | 29.1% | 22.4% (stronger) |
| Offices | 1 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Breda Savings Bank has the higher TellerScore (82 vs 81). On the 6 directional measures above (where higher or lower is clearly better), Breda Savings Bank leads on 4 and First State Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.