Side-by-side · Q2 2026 data
Community State Bank vs 1st Source Bank
Metric by metric
| Measure | Community State Bank | 1st Source Bank |
|---|---|---|
| TellerScore | 70 | 75 (stronger) |
| Capital cushion | 55 | 87 (stronger) |
| Loan quality | 88 (stronger) | 67 |
| Earnings | 45 | 100 (stronger) |
| Funding & liquidity | 89 (stronger) | 22 |
| Problem-loan coverage | 95 (stronger) | 90 |
| Peer percentile | 43rd | 77th |
| Total assets | $175.9M | $9.3B |
| Deposits / shares | $160.6M | $7.4B |
| Capital ratio | 10.48% | 13.72% (stronger) |
| Problem loans | 0.37% (stronger) | 0.99% |
| Net charge-offs | 0.36% | 0.13% (stronger) |
| Return on assets | 0.62% | 1.99% (stronger) |
| Loans ÷ deposits | 59.0% (stronger) | 95.0% |
| Uninsured deposits | 25.4% (stronger) | 53.8% |
| Offices | 4 | 76 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.3% |
1st Source Bank has the higher TellerScore (75 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Community State Bank leads on 3 and 1st Source Bank on 4. 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.