Side-by-side · Q2 2026 data
Dayspring Bank vs First State Bank Nebraska
Metric by metric
| Measure | Dayspring Bank | First State Bank Nebraska |
|---|---|---|
| TellerScore | 58 | 71 (stronger) |
| Capital cushion | 57 (stronger) | 40 |
| Loan quality | 42 | 92 (stronger) |
| Earnings | 62 | 80 (stronger) |
| Funding & liquidity | 68 | 69 (stronger) |
| Problem-loan coverage | 77 | 97 (stronger) |
| Peer percentile | 17th | 63rd |
| Total assets | $1.2B | $1.1B |
| Deposits / shares | $927.6M | $990.0M |
| Capital ratio | 10.71% (stronger) | 9.00% |
| Problem loans | 1.73% | 0.24% (stronger) |
| Net charge-offs | -0.04% (stronger) | 0.03% |
| Return on assets | 1.06% | 1.51% (stronger) |
| Loans ÷ deposits | 92.1% | 90.8% (stronger) |
| Uninsured deposits | 14.3% (stronger) | 15.6% |
| Offices | 6 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | 12.3% |
First State Bank Nebraska has the higher TellerScore (71 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Dayspring Bank leads on 3 and First State Bank Nebraska on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.