Side-by-side · Q2 2026 data
First State Bank and Trust vs Eagle Rock Bank
Metric by metric
| Measure | First State Bank and Trust | Eagle Rock Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 72 |
| Capital cushion | 39 | 88 (stronger) |
| Loan quality | 99 (stronger) | 69 |
| Earnings | 91 (stronger) | 67 |
| Funding & liquidity | 56 (stronger) | 43 |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 53rd | 50th |
| Total assets | $499.0M | $508.2M |
| Deposits / shares | $455.4M | $420.8M |
| Capital ratio | 8.91% | 13.80% (stronger) |
| Problem loans | 0.03% (stronger) | 0.92% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.77% (stronger) | 1.17% |
| Loans ÷ deposits | 71.6% (stronger) | 102.4% |
| Uninsured deposits | 44.3% | 28.3% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.6% | 0.0% |
First State Bank and Trust has the higher TellerScore (73 vs 72). On the 6 directional measures above (where higher or lower is clearly better), First State Bank and Trust leads on 4 and Eagle Rock Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.