Side-by-side · Q2 2026 data
First State Bank and Trust vs Vermillion State Bank
Metric by metric
| Measure | First State Bank and Trust | Vermillion State Bank |
|---|---|---|
| TellerScore | 73 | 90 (stronger) |
| Capital cushion | 39 | 84 (stronger) |
| Loan quality | 99 (stronger) | 92 |
| Earnings | 91 | 100 (stronger) |
| Funding & liquidity | 56 | 83 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 53rd | 95th |
| Total assets | $499.0M | $931.4M |
| Deposits / shares | $455.4M | $806.6M |
| Capital ratio | 8.91% | 13.40% (stronger) |
| Problem loans | 0.03% (stronger) | 0.24% |
| Net charge-offs | 0.00% | -0.12% (stronger) |
| Return on assets | 1.77% | 2.56% (stronger) |
| Loans ÷ deposits | 71.6% | 51.7% (stronger) |
| Uninsured deposits | 44.3% | 30.2% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.6% | 0.0% |
Vermillion State Bank has the higher TellerScore (90 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First State Bank and Trust leads on 1 and Vermillion State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.