Side-by-side · Q2 2026 data
Earlham Savings Bank vs First State Bank
Metric by metric
| Measure | Earlham Savings Bank | First State Bank |
|---|---|---|
| TellerScore | 66 | 75 (stronger) |
| Capital cushion | 45 | 48 (stronger) |
| Loan quality | 70 | 93 (stronger) |
| Earnings | 62 | 100 (stronger) |
| Funding & liquidity | 93 (stronger) | 53 |
| Problem-loan coverage | 90 | 97 (stronger) |
| Peer percentile | 31st | 61st |
| Total assets | $382.5M | $384.2M |
| Deposits / shares | $343.9M | $308.1M |
| Capital ratio | 9.53% | 9.77% (stronger) |
| Problem loans | 0.91% | 0.21% (stronger) |
| Net charge-offs | -0.07% (stronger) | 0.01% |
| Return on assets | 1.06% | 2.11% (stronger) |
| Loans ÷ deposits | 64.1% (stronger) | 95.6% |
| Uninsured deposits | 17.6% (stronger) | 26.0% |
| Offices | 9 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.2% | 0.5% |
First State Bank has the higher TellerScore (75 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Earlham Savings Bank leads on 3 and First State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.