Side-by-side · Q2 2026 data
First State Bank & Trust vs The Bank of Tioga
Metric by metric
| Measure | First State Bank & Trust | The Bank of Tioga |
|---|---|---|
| TellerScore | 94 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 44 |
| Loan quality | 100 (stronger) | 62 |
| Earnings | 91 (stronger) | 73 |
| Funding & liquidity | 73 | 85 (stronger) |
| Problem-loan coverage | 100 (stronger) | 68 |
| Peer percentile | 98th | 24th |
| Total assets | $542.6M | $412.1M |
| Deposits / shares | $466.0M | $396.6M |
| Capital ratio | 15.38% (stronger) | 9.39% |
| Problem loans | 0.00% (stronger) | 1.15% |
| Net charge-offs | 0.06% (stronger) | 0.10% |
| Return on assets | 1.76% (stronger) | 1.32% |
| Loans ÷ deposits | 44.7% | 34.0% (stronger) |
| Uninsured deposits | 39.6% | 28.3% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank & Trust has the higher TellerScore (94 vs 63). On the 7 directional measures above (where higher or lower is clearly better), First State Bank & Trust leads on 5 and The Bank of Tioga on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Crosby, ND