Side-by-side · Q2 2026 data
Cedar Valley Bank & Trust vs First State Bank
Metric by metric
| Measure | Cedar Valley Bank & Trust | First State Bank |
|---|---|---|
| TellerScore | 54 | 82 (stronger) |
| Capital cushion | 40 | 69 (stronger) |
| Loan quality | 58 | 99 (stronger) |
| Earnings | 76 (stronger) | 66 |
| Funding & liquidity | 34 | 92 (stronger) |
| Problem-loan coverage | 68 | 100 (stronger) |
| Peer percentile | 10th | 82nd |
| Total assets | $126.3M | $129.7M |
| Deposits / shares | $114.5M | $114.0M |
| Capital ratio | 9.01% | 11.95% (stronger) |
| Problem loans | 1.27% | 0.03% (stronger) |
| Net charge-offs | 0.07% | -0.01% (stronger) |
| Return on assets | 1.40% (stronger) | 1.15% |
| Loans ÷ deposits | 98.0% | 47.5% (stronger) |
| Uninsured deposits | 40.4% | 22.6% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.2% | — |
First State Bank has the higher TellerScore (82 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Cedar Valley Bank & Trust leads on 1 and First State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.