Side-by-side · Q2 2026 data
First State Bank vs Dayspring Bank
Metric by metric
| Measure | First State Bank | Dayspring Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 58 |
| Capital cushion | 69 (stronger) | 57 |
| Loan quality | 89 (stronger) | 42 |
| Earnings | 85 (stronger) | 62 |
| Funding & liquidity | 64 | 68 (stronger) |
| Problem-loan coverage | 97 (stronger) | 77 |
| Peer percentile | 75th | 17th |
| Total assets | $199.5M | $1.2B |
| Deposits / shares | $121.3M | $927.6M |
| Capital ratio | 11.94% (stronger) | 10.71% |
| Problem loans | 0.33% (stronger) | 1.73% |
| Net charge-offs | 0.00% | -0.04% (stronger) |
| Return on assets | 1.63% (stronger) | 1.06% |
| Loans ÷ deposits | 79.9% (stronger) | 92.1% |
| Uninsured deposits | 29.9% | 14.3% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.6% |
First State Bank has the higher TellerScore (79 vs 58). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 5 and Dayspring Bank on 2. 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.