Side-by-side · Q2 2026 data
First Bank vs City State Bank
Metric by metric
| Measure | First Bank | City State Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 72 |
| Capital cushion | 77 (stronger) | 44 |
| Loan quality | 82 | 91 (stronger) |
| Earnings | 81 | 94 (stronger) |
| Funding & liquidity | 60 (stronger) | 54 |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 72nd | 50th |
| Total assets | $739.9M | $787.9M |
| Deposits / shares | $619.8M | $693.2M |
| Capital ratio | 12.72% (stronger) | 9.37% |
| Problem loans | 0.54% | 0.27% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 1.54% | 1.84% (stronger) |
| Loans ÷ deposits | 90.0% | 85.5% (stronger) |
| Uninsured deposits | 24.4% (stronger) | 33.9% |
| Offices | 7 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.4% | — |
First Bank has the higher TellerScore (78 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First Bank leads on 4 and City State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.