Side-by-side · Q2 2026 data
First Security Bank vs Montezuma State Bank
Metric by metric
| Measure | First Security Bank | Montezuma State Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 68 |
| Capital cushion | 73 | 99 (stronger) |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 72 | 90 (stronger) |
| Funding & liquidity | 97 (stronger) | 92 |
| Problem-loan coverage | 100 (stronger) | 63 |
| Peer percentile | 81st | 33rd |
| Total assets | $65.2M | $54.6M |
| Deposits / shares | $54.7M | $46.2M |
| Capital ratio | 12.25% | 14.87% (stronger) |
| Problem loans | 0.00% (stronger) | 6.94% |
| Net charge-offs | 0.00% | -0.03% (stronger) |
| Return on assets | 1.29% | 1.75% (stronger) |
| Loans ÷ deposits | 58.8% | 48.8% (stronger) |
| Uninsured deposits | 18.1% (stronger) | 22.3% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Security Bank has the higher TellerScore (86 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Security Bank leads on 3 and Montezuma State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.