Side-by-side · Q2 2026 data
Commercial State Bank vs The First State Bank
Metric by metric
| Measure | Commercial State Bank | The First State Bank |
|---|---|---|
| TellerScore | 49 | 68 (stronger) |
| Capital cushion | 59 | 85 (stronger) |
| Loan quality | 0 | 29 (stronger) |
| Earnings | 83 | 88 (stronger) |
| Funding & liquidity | 65 (stronger) | 63 |
| Problem-loan coverage | 50 | 78 (stronger) |
| Peer percentile | 6th | 37th |
| Total assets | $126.6M | $121.4M |
| Deposits / shares | $114.3M | $96.4M |
| Capital ratio | 10.92% | 13.46% (stronger) |
| Problem loans | 5.44% | 2.13% (stronger) |
| Net charge-offs | 0.42% | -0.06% (stronger) |
| Return on assets | 1.57% | 1.70% (stronger) |
| Loans ÷ deposits | 35.0% (stronger) | 90.4% |
| Uninsured deposits | 46.8% | 21.0% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First State Bank has the higher TellerScore (68 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Commercial State Bank leads on 1 and The First State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.