Side-by-side · Q2 2026 data
First Bank vs First State Bank
Metric by metric
| Measure | First Bank | First State Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 67 |
| Capital cushion | 77 (stronger) | 62 |
| Loan quality | 82 (stronger) | 69 |
| Earnings | 81 (stronger) | 48 |
| Funding & liquidity | 60 | 85 (stronger) |
| Problem-loan coverage | 94 (stronger) | 92 |
| Peer percentile | 72nd | 34th |
| Total assets | $739.9M | $141.7M |
| Deposits / shares | $619.8M | $117.8M |
| Capital ratio | 12.72% (stronger) | 11.23% |
| Problem loans | 0.54% (stronger) | 0.92% |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 1.54% (stronger) | 0.71% |
| Loans ÷ deposits | 90.0% | 52.6% (stronger) |
| Uninsured deposits | 24.4% (stronger) | 29.1% |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.4% | — |
First Bank has the higher TellerScore (78 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First Bank leads on 5 and First State Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.