Side-by-side · Q2 2026 data
First Central State Bank vs Premier Bank
Metric by metric
| Measure | First Central State Bank | Premier Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 60 |
| Capital cushion | 84 (stronger) | 45 |
| Loan quality | 93 (stronger) | 50 |
| Earnings | 77 | 100 (stronger) |
| Funding & liquidity | 65 (stronger) | 43 |
| Problem-loan coverage | 97 (stronger) | 77 |
| Peer percentile | 84th | 19th |
| Total assets | $772.4M | $826.5M |
| Deposits / shares | $595.4M | $671.7M |
| Capital ratio | 13.39% (stronger) | 9.55% |
| Problem loans | 0.21% (stronger) | 1.51% |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 1.43% | 2.24% (stronger) |
| Loans ÷ deposits | 82.4% (stronger) | 105.1% |
| Uninsured deposits | 26.7% | 25.8% (stronger) |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | 15.7% |
First Central State Bank has the higher TellerScore (83 vs 60). On the 7 directional measures above (where higher or lower is clearly better), First Central State Bank leads on 4 and Premier Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.