Side-by-side · Q2 2026 data
First State Bank and Trust vs Sm Federal Credit Union
Metric by metric
| Measure | First State Bank and Trust | Sm Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 89 (stronger) |
| Capital cushion | 36 | 100 (stronger) |
| Loan quality | 84 | 92 (stronger) |
| Earnings | 67 | 70 (stronger) |
| Funding & liquidity | 82 (stronger) | 81 |
| Problem-loan coverage | 84 | 98 (stronger) |
| Peer percentile | 31st | 87th |
| Total assets | $514.9M | $77.2M |
| Deposits / shares | $457.6M | $61.4M |
| Capital ratio | 8.64% | 19.98% (stronger) |
| Problem loans | 0.48% | 0.24% (stronger) |
| Net charge-offs | 0.44% | 0.00% (stronger) |
| Return on assets | 1.18% | 1.24% (stronger) |
| Loans ÷ deposits | 72.7% (stronger) | 78.9% |
| Uninsured deposits | 20.3% | 3.3% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.6% | — |
Sm Federal Credit Union has the higher TellerScore (89 vs 66). On the 7 directional measures above (where higher or lower is clearly better), First State Bank and Trust leads on 1 and Sm Federal Credit Union on 6. 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.