Side-by-side · Q2 2026 data
First Service Bank vs Legacy Bank
Metric by metric
| Measure | First Service Bank | Legacy Bank |
|---|---|---|
| TellerScore | 59 | 65 (stronger) |
| Capital cushion | 41 (stronger) | 38 |
| Loan quality | 83 | 97 (stronger) |
| Earnings | 55 | 76 (stronger) |
| Funding & liquidity | 39 (stronger) | 28 |
| Problem-loan coverage | 89 | 97 (stronger) |
| Peer percentile | 19th | 36th |
| Total assets | $1.0B | $1.3B |
| Deposits / shares | $919.2M | $1.1B |
| Capital ratio | 9.06% (stronger) | 8.85% |
| Problem loans | 0.50% | 0.10% (stronger) |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 0.87% | 1.40% (stronger) |
| Loans ÷ deposits | 95.4% | 93.7% (stronger) |
| Uninsured deposits | 38.5% (stronger) | 50.1% |
| Offices | 11 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.0% | 1.4% |
Legacy Bank has the higher TellerScore (65 vs 59). On the 7 directional measures above (where higher or lower is clearly better), First Service Bank leads on 2 and Legacy Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.