Side-by-side · Q2 2026 data
First State Bank vs Peoples State Bank
Metric by metric
| Measure | First State Bank | Peoples State Bank |
|---|---|---|
| TellerScore | 53 | 68 (stronger) |
| Capital cushion | 76 (stronger) | 57 |
| Loan quality | 0 | 58 (stronger) |
| Earnings | 89 (stronger) | 74 |
| Funding & liquidity | 53 | 84 (stronger) |
| Problem-loan coverage | 49 | 85 (stronger) |
| Peer percentile | 9th | 37th |
| Total assets | $184.0M | $181.2M |
| Deposits / shares | $154.0M | $149.7M |
| Capital ratio | 12.57% (stronger) | 10.66% |
| Problem loans | 4.44% | 1.25% (stronger) |
| Net charge-offs | 0.14% | 0.00% (stronger) |
| Return on assets | 1.74% (stronger) | 1.36% |
| Loans ÷ deposits | 94.4% | 67.4% (stronger) |
| Uninsured deposits | 26.1% | 22.8% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Peoples State Bank has the higher TellerScore (68 vs 53). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and Peoples State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.