Side-by-side · Q2 2026 data
First Savings Bank vs Beal Bank USA
Metric by metric
| Measure | First Savings Bank | Beal Bank USA |
|---|---|---|
| TellerScore | 83 (stronger) | 80 |
| Capital cushion | 100 | 100 |
| Loan quality | 70 | 74 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 38 (stronger) | 15 |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 94th | 96th |
| Total assets | $1.6B | $11.0B |
| Deposits / shares | $1.3B | $1.7B |
| Capital ratio | 19.25% | 21.89% (stronger) |
| Problem loans | 0.90% | 0.78% (stronger) |
| Net charge-offs | 4.08% | -4.75% (stronger) |
| Return on assets | 2.61% | 8.19% (stronger) |
| Loans ÷ deposits | 89.6% (stronger) | 235.7% |
| Uninsured deposits | 44.2% (stronger) | 46.6% |
| Offices | 24 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.1% | — |
First Savings Bank has the higher TellerScore (83 vs 80). On the 7 directional measures above (where higher or lower is clearly better), First Savings Bank leads on 3 and Beal Bank USA on 4. 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.