Side-by-side · Q2 2026 data
First Horizon Bank vs First State Bank
Metric by metric
| Measure | First Horizon Bank | First State Bank |
|---|---|---|
| TellerScore | 64 | 67 (stronger) |
| Capital cushion | 53 | 53 |
| Loan quality | 72 | 95 (stronger) |
| Earnings | 76 (stronger) | 41 |
| Funding & liquidity | 38 | 60 (stronger) |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 46th | 44th |
| Total assets | $84.1B | $1.2B |
| Deposits / shares | $68.8B | $1.1B |
| Capital ratio | 10.32% (stronger) | 10.32% |
| Problem loans | 0.83% | 0.15% (stronger) |
| Net charge-offs | 0.19% | -0.06% (stronger) |
| Return on assets | 1.40% (stronger) | 0.52% |
| Loans ÷ deposits | 94.7% | 74.5% (stronger) |
| Uninsured deposits | 40.3% | 38.0% (stronger) |
| Offices | 403 | 8 |
| CFPB complaints (3 yrs) | 535 | — |
| Complaints per $1B deposits | 7.8 | — |
| Mortgage denial rate (HMDA) | 25.4% | — |
First State Bank has the higher TellerScore (67 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First Horizon Bank leads on 2 and First State Bank 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.
Where both have branches
- Key Largo, FL
- Key West, FL
- Big Pine Key, FL
- Islamorada, FL
- Marathon, FL