Side-by-side · Q2 2026 data
First Independent Bank vs First State Bank Southwest
Metric by metric
| Measure | First Independent Bank | First State Bank Southwest |
|---|---|---|
| TellerScore | 76 (stronger) | 70 |
| Capital cushion | 49 (stronger) | 47 |
| Loan quality | 95 (stronger) | 76 |
| Earnings | 82 (stronger) | 66 |
| Funding & liquidity | 76 | 97 (stronger) |
| Problem-loan coverage | 98 (stronger) | 89 |
| Peer percentile | 64th | 43rd |
| Total assets | $632.3M | $409.9M |
| Deposits / shares | $533.0M | $350.8M |
| Capital ratio | 9.87% (stronger) | 9.69% |
| Problem loans | 0.14% (stronger) | 0.71% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.55% (stronger) | 1.16% |
| Loans ÷ deposits | 82.0% | 63.0% (stronger) |
| Uninsured deposits | 16.8% | 15.5% (stronger) |
| Offices | 11 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.8% |
First Independent Bank has the higher TellerScore (76 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Independent Bank leads on 4 and First State Bank Southwest on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.