Side-by-side · Q2 2026 data
First Secure Bank and Trust Co. vs Community Savings Bank
Metric by metric
| Measure | First Secure Bank and Trust Co. | Community Savings Bank |
|---|---|---|
| TellerScore | 39 | 75 (stronger) |
| Capital cushion | 65 | 85 (stronger) |
| Loan quality | 0 | 93 (stronger) |
| Earnings | 40 (stronger) | 11 |
| Funding & liquidity | 65 | 95 (stronger) |
| Problem-loan coverage | 13 | 98 (stronger) |
| Peer percentile | 2nd | 61st |
| Total assets | $396.2M | $410.2M |
| Deposits / shares | $313.7M | $357.0M |
| Capital ratio | 11.49% | 13.50% (stronger) |
| Problem loans | 6.29% | 0.20% (stronger) |
| Net charge-offs | -0.02% (stronger) | -0.00% |
| Return on assets | 0.51% (stronger) | -0.22% |
| Loans ÷ deposits | 94.7% | 65.6% (stronger) |
| Uninsured deposits | 15.5% | 5.5% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.4% |
Community Savings Bank has the higher TellerScore (75 vs 39). On the 7 directional measures above (where higher or lower is clearly better), First Secure Bank and Trust Co. leads on 2 and Community Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.