Side-by-side · Q2 2026 data
First State Bank & Trust vs First State Bank
Metric by metric
| Measure | First State Bank & Trust | First State Bank |
|---|---|---|
| TellerScore | 94 (stronger) | 75 |
| Capital cushion | 100 (stronger) | 48 |
| Loan quality | 100 | 100 |
| Earnings | 91 | 100 (stronger) |
| Funding & liquidity | 73 (stronger) | 40 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 98th | 61st |
| Total assets | $542.6M | $424.2M |
| Deposits / shares | $466.0M | $371.9M |
| Capital ratio | 15.38% (stronger) | 9.83% |
| Problem loans | 0.00% | 0.00% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.14% |
| Return on assets | 1.76% | 2.08% (stronger) |
| Loans ÷ deposits | 44.7% (stronger) | 104.4% |
| Uninsured deposits | 39.6% | 28.8% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
First State Bank & Trust has the higher TellerScore (94 vs 75). On the 7 directional measures above (where higher or lower is clearly better), First State Bank & Trust leads on 4 and First State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.