Side-by-side · Q2 2026 data
First Citizens Bank vs First State Bank
Metric by metric
| Measure | First Citizens Bank | First State Bank |
|---|---|---|
| TellerScore | 81 | 81 |
| Capital cushion | 70 | 74 (stronger) |
| Loan quality | 95 | 96 (stronger) |
| Earnings | 100 (stronger) | 75 |
| Funding & liquidity | 43 | 65 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 91st | 80th |
| Total assets | $1.8B | $674.3M |
| Deposits / shares | $1.6B | $572.2M |
| Capital ratio | 11.96% | 12.40% (stronger) |
| Problem loans | 0.16% | 0.12% (stronger) |
| Net charge-offs | 0.13% | 0.00% (stronger) |
| Return on assets | 2.09% (stronger) | 1.38% |
| Loans ÷ deposits | 83.2% (stronger) | 86.5% |
| Uninsured deposits | 45.6% | 22.4% (stronger) |
| Offices | 6 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First Citizens Bank leads on 2 and First State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Clarion, IA