Side-by-side · Q2 2026 data
Crossroads Bank vs First State Bank
Metric by metric
| Measure | Crossroads Bank | First State Bank |
|---|---|---|
| TellerScore | 67 | 88 (stronger) |
| Capital cushion | 66 | 76 (stronger) |
| Loan quality | 24 | 100 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 92 (stronger) | 70 |
| Problem-loan coverage | 71 | 100 (stronger) |
| Peer percentile | 34th | 92nd |
| Total assets | $380.7M | $371.9M |
| Deposits / shares | $345.4M | $326.4M |
| Capital ratio | 11.64% | 12.58% (stronger) |
| Problem loans | 2.29% | 0.00% (stronger) |
| Net charge-offs | 0.18% | 0.00% (stronger) |
| Return on assets | 2.56% (stronger) | 2.27% |
| Loans ÷ deposits | 60.9% (stronger) | 74.7% |
| Uninsured deposits | 21.2% (stronger) | 28.9% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.8% | — |
First State Bank has the higher TellerScore (88 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Crossroads Bank leads on 3 and First State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.