Side-by-side · Q2 2026 data
First Central State Bank vs Kone Employees Credit Union
Metric by metric
| Measure | First Central State Bank | Kone Employees Credit Union |
|---|---|---|
| TellerScore | 83 | 94 (stronger) |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 93 (stronger) | 82 |
| Earnings | 77 | 97 (stronger) |
| Funding & liquidity | 65 | 96 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 84th | 95th |
| Total assets | $772.4M | $20.7M |
| Deposits / shares | $595.4M | $17.1M |
| Capital ratio | 13.39% | 17.47% (stronger) |
| Problem loans | 0.21% (stronger) | 0.55% |
| Net charge-offs | 0.01% (stronger) | 0.39% |
| Return on assets | 1.43% | 1.93% (stronger) |
| Loans ÷ deposits | 82.4% | 63.8% (stronger) |
| Uninsured deposits | 26.7% | 3.4% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
Kone Employees Credit Union has the higher TellerScore (94 vs 83). On the 7 directional measures above (where higher or lower is clearly better), First Central State Bank leads on 2 and Kone Employees Credit Union on 5. 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.