Side-by-side · Q2 2026 data
Cumberland Security Bank, Inc. vs First State Bank
Metric by metric
| Measure | Cumberland Security Bank, Inc. | First State Bank |
|---|---|---|
| TellerScore | 87 (stronger) | 70 |
| Capital cushion | 91 (stronger) | 62 |
| Loan quality | 95 (stronger) | 56 |
| Earnings | 100 (stronger) | 89 |
| Funding & liquidity | 38 | 79 (stronger) |
| Problem-loan coverage | 98 (stronger) | 82 |
| Peer percentile | 91st | 43rd |
| Total assets | $420.1M | $402.0M |
| Deposits / shares | $359.4M | $354.3M |
| Capital ratio | 14.14% (stronger) | 11.23% |
| Problem loans | 0.16% (stronger) | 1.33% |
| Net charge-offs | 0.01% (stronger) | 0.03% |
| Return on assets | 4.50% (stronger) | 1.72% |
| Loans ÷ deposits | 93.7% | 81.2% (stronger) |
| Uninsured deposits | 40.5% | 14.3% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cumberland Security Bank, Inc. has the higher TellerScore (87 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Cumberland Security Bank, Inc. leads on 5 and First State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.