Side-by-side · Q2 2026 data
Clay County State Bank vs First State Bank of St. Peter
Metric by metric
| Measure | Clay County State Bank | First State Bank of St. Peter |
|---|---|---|
| TellerScore | 59 | 83 (stronger) |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 0 | 43 (stronger) |
| Earnings | 80 | 88 (stronger) |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 70 | 95 (stronger) |
| Peer percentile | 17th | 73rd |
| Total assets | $104.3M | $30.1M |
| Deposits / shares | $91.7M | $24.6M |
| Capital ratio | 13.18% | 18.52% (stronger) |
| Problem loans | 3.82% | 1.71% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.61% |
| Return on assets | 1.50% | 1.71% (stronger) |
| Loans ÷ deposits | 51.1% | 30.8% (stronger) |
| Uninsured deposits | 36.6% | 3.5% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of St. Peter has the higher TellerScore (83 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Clay County State Bank leads on 1 and First State Bank of St. Peter on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.