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 (stronger) | 67 |
| Capital cushion | 70 (stronger) | 62 |
| Loan quality | 95 (stronger) | 69 |
| Earnings | 100 (stronger) | 48 |
| Funding & liquidity | 43 | 85 (stronger) |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 91st | 34th |
| Total assets | $1.8B | $141.7M |
| Deposits / shares | $1.6B | $117.8M |
| Capital ratio | 11.96% (stronger) | 11.23% |
| Problem loans | 0.16% (stronger) | 0.92% |
| Net charge-offs | 0.13% | -0.02% (stronger) |
| Return on assets | 2.09% (stronger) | 0.71% |
| Loans ÷ deposits | 83.2% | 52.6% (stronger) |
| Uninsured deposits | 45.6% | 29.1% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Citizens Bank has the higher TellerScore (81 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First Citizens Bank leads on 4 and First State Bank on 3. 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.