Side-by-side · Q2 2026 data
First Bank vs First Central State Bank
Metric by metric
| Measure | First Bank | First Central State Bank |
|---|---|---|
| TellerScore | 78 | 83 (stronger) |
| Capital cushion | 77 | 84 (stronger) |
| Loan quality | 82 | 93 (stronger) |
| Earnings | 81 (stronger) | 77 |
| Funding & liquidity | 60 | 65 (stronger) |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 72nd | 84th |
| Total assets | $739.9M | $772.4M |
| Deposits / shares | $619.8M | $595.4M |
| Capital ratio | 12.72% | 13.39% (stronger) |
| Problem loans | 0.54% | 0.21% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.54% (stronger) | 1.43% |
| Loans ÷ deposits | 90.0% | 82.4% (stronger) |
| Uninsured deposits | 24.4% (stronger) | 26.7% |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.4% | 9.1% |
First Central State Bank has the higher TellerScore (83 vs 78). On the 7 directional measures above (where higher or lower is clearly better), First Bank leads on 3 and First Central State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.