Side-by-side · Q2 2026 data
First Sentinel Bank vs Locus Bank, Inc.
Metric by metric
| Measure | First Sentinel Bank | Locus Bank, Inc. |
|---|---|---|
| TellerScore | 67 | 79 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 96 (stronger) | 79 |
| Earnings | 54 | 70 (stronger) |
| Funding & liquidity | 49 (stronger) | 37 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 34th | 75th |
| Total assets | $398.0M | $359.4M |
| Deposits / shares | $348.5M | $259.3M |
| Capital ratio | 10.02% | 21.46% (stronger) |
| Problem loans | 0.11% (stronger) | 0.62% |
| Net charge-offs | 0.33% | -0.01% (stronger) |
| Return on assets | 0.85% | 1.26% (stronger) |
| Loans ÷ deposits | 96.0% (stronger) | 113.2% |
| Uninsured deposits | 28.5% | 26.8% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.7% | — |
Locus Bank, Inc. has the higher TellerScore (79 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First Sentinel Bank leads on 2 and Locus Bank, Inc. on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.