Side-by-side · Q2 2026 data
First State Bank and Trust Company, Inc. vs Nucor Employee'S Credit Union
Bank
First State Bank and Trust Company, Inc.
Caruthersville, Missouri · $100 million – $1 billion
Credit union
Nucor Employee'S Credit Union
Florence, South Carolina · Under $100 million in assets
Metric by metric
| Measure | First State Bank and Trust Company, Inc. | Nucor Employee'S Credit Union |
|---|---|---|
| TellerScore | 56 | 91 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 0 | 80 (stronger) |
| Earnings | 94 (stronger) | 92 |
| Funding & liquidity | 69 | 87 (stronger) |
| Problem-loan coverage | 42 | 96 (stronger) |
| Peer percentile | 13th | 90th |
| Total assets | $659.0M | $68.2M |
| Deposits / shares | $558.7M | $54.2M |
| Capital ratio | 12.57% | 19.74% (stronger) |
| Problem loans | 4.76% | 0.61% (stronger) |
| Net charge-offs | 0.22% | 0.20% (stronger) |
| Return on assets | 1.85% (stronger) | 1.80% |
| Loans ÷ deposits | 86.1% | 73.1% (stronger) |
| Uninsured deposits | 19.5% | 6.2% (stronger) |
| Offices | 8 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Nucor Employee'S Credit Union has the higher TellerScore (91 vs 56). On the 7 directional measures above (where higher or lower is clearly better), First State Bank and Trust Company, Inc. leads on 1 and Nucor Employee'S 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.