Side-by-side · Q2 2026 data
First National Bank, Cortez vs Park State Bank & Trust
Metric by metric
| Measure | First National Bank, Cortez | Park State Bank & Trust |
|---|---|---|
| TellerScore | 53 | 77 (stronger) |
| Capital cushion | 50 | 63 (stronger) |
| Loan quality | 36 | 98 (stronger) |
| Earnings | 44 | 62 (stronger) |
| Funding & liquidity | 83 | 85 (stronger) |
| Problem-loan coverage | 75 | 87 (stronger) |
| Peer percentile | 9th | 68th |
| Total assets | $156.9M | $162.3M |
| Deposits / shares | $137.2M | $145.7M |
| Capital ratio | 9.98% | 11.26% (stronger) |
| Problem loans | 1.92% | 0.05% (stronger) |
| Net charge-offs | 1.10% | 0.00% (stronger) |
| Return on assets | 0.60% | 1.05% (stronger) |
| Loans ÷ deposits | 73.6% (stronger) | 75.6% |
| Uninsured deposits | 18.1% | 6.3% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Park State Bank & Trust has the higher TellerScore (77 vs 53). On the 7 directional measures above (where higher or lower is clearly better), First National Bank, Cortez leads on 1 and Park State Bank & Trust on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.