Side-by-side · Q2 2026 data
First Bank & Trust Company vs Community State Bank
Metric by metric
| Measure | First Bank & Trust Company | Community State Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 41 |
| Capital cushion | 63 (stronger) | 25 |
| Loan quality | 76 (stronger) | 5 |
| Earnings | 89 (stronger) | 52 |
| Funding & liquidity | 85 | 94 (stronger) |
| Problem-loan coverage | 92 (stronger) | 79 |
| Peer percentile | 72nd | 4th |
| Total assets | $255.2M | $89.7M |
| Deposits / shares | $229.3M | $82.8M |
| Capital ratio | 11.34% (stronger) | 7.49% |
| Problem loans | 0.73% (stronger) | 2.85% |
| Net charge-offs | 1.63% | 0.05% (stronger) |
| Return on assets | 1.73% (stronger) | 0.79% |
| Loans ÷ deposits | 65.1% | 32.7% (stronger) |
| Uninsured deposits | 23.8% | 20.4% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.9% | — |
First Bank & Trust Company has the higher TellerScore (78 vs 41). On the 7 directional measures above (where higher or lower is clearly better), First Bank & Trust Company leads on 4 and Community State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.