Side-by-side · Q2 2026 data
Community State Bank vs Community First Bank
Metric by metric
| Measure | Community State Bank | Community First Bank |
|---|---|---|
| TellerScore | 74 | 78 (stronger) |
| Capital cushion | 46 | 60 (stronger) |
| Loan quality | 91 (stronger) | 89 |
| Earnings | 76 | 81 (stronger) |
| Funding & liquidity | 83 (stronger) | 77 |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 57th | 72nd |
| Total assets | $667.5M | $634.1M |
| Deposits / shares | $621.3M | $522.4M |
| Capital ratio | 9.62% | 10.95% (stronger) |
| Problem loans | 0.28% (stronger) | 0.32% |
| Net charge-offs | -0.00% (stronger) | -0.00% |
| Return on assets | 1.39% | 1.52% (stronger) |
| Loans ÷ deposits | 58.6% (stronger) | 75.6% |
| Uninsured deposits | 30.6% | 22.2% (stronger) |
| Offices | 7 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.3% | — |
Community First Bank has the higher TellerScore (78 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Community State Bank leads on 3 and Community First Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.