Side-by-side · Q2 2026 data
First State Bank & Trust vs Gate City Bank
Metric by metric
| Measure | First State Bank & Trust | Gate City Bank |
|---|---|---|
| TellerScore | 94 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 48 |
| Loan quality | 100 (stronger) | 77 |
| Earnings | 91 (stronger) | 54 |
| Funding & liquidity | 73 | 78 (stronger) |
| Problem-loan coverage | 100 (stronger) | 89 |
| Peer percentile | 98th | 36th |
| Total assets | $542.6M | $4.0B |
| Deposits / shares | $466.0M | $3.6B |
| Capital ratio | 15.38% (stronger) | 9.85% |
| Problem loans | 0.00% (stronger) | 0.69% |
| Net charge-offs | 0.06% (stronger) | 0.16% |
| Return on assets | 1.76% (stronger) | 0.85% |
| Loans ÷ deposits | 44.7% (stronger) | 82.5% |
| Uninsured deposits | 39.6% | 10.9% (stronger) |
| Offices | 3 | 45 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank & Trust has the higher TellerScore (94 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First State Bank & Trust leads on 6 and Gate City Bank on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.