Side-by-side · Q2 2026 data
First State Bank vs Town & Country Bank and Trust Company
Metric by metric
| Measure | First State Bank | Town & Country Bank and Trust Company |
|---|---|---|
| TellerScore | 70 | 82 (stronger) |
| Capital cushion | 62 | 77 (stronger) |
| Loan quality | 56 | 86 (stronger) |
| Earnings | 89 (stronger) | 79 |
| Funding & liquidity | 79 | 83 (stronger) |
| Problem-loan coverage | 82 | 96 (stronger) |
| Peer percentile | 43rd | 82nd |
| Total assets | $402.0M | $433.7M |
| Deposits / shares | $354.3M | $378.0M |
| Capital ratio | 11.23% | 12.75% (stronger) |
| Problem loans | 1.33% | 0.42% (stronger) |
| Net charge-offs | 0.03% | 0.01% (stronger) |
| Return on assets | 1.72% (stronger) | 1.47% |
| Loans ÷ deposits | 81.2% | 74.8% (stronger) |
| Uninsured deposits | 14.3% (stronger) | 17.1% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Town & Country Bank and Trust Company has the higher TellerScore (82 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and Town & Country Bank and Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.