Side-by-side · Q2 2026 data
First Bank and Trust of Fullerton vs First State Bank
Metric by metric
| Measure | First Bank and Trust of Fullerton | First State Bank |
|---|---|---|
| TellerScore | 87 (stronger) | 77 |
| Capital cushion | 92 (stronger) | 72 |
| Loan quality | 100 | 100 |
| Earnings | 62 (stronger) | 37 |
| Funding & liquidity | 79 | 86 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 91st | 58th |
| Total assets | $108.3M | $46.8M |
| Deposits / shares | $83.9M | $39.8M |
| Capital ratio | 14.20% (stronger) | 12.20% |
| Problem loans | 0.00% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.06% (stronger) | 0.41% |
| Loans ÷ deposits | 81.7% | 74.5% (stronger) |
| Uninsured deposits | 13.8% | 10.1% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Bank and Trust of Fullerton has the higher TellerScore (87 vs 77). On the 6 directional measures above (where higher or lower is clearly better), First Bank and Trust of Fullerton leads on 3 and First State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.