Side-by-side · Q2 2026 data
First State Bank vs South Central State Bank
Metric by metric
| Measure | First State Bank | South Central State Bank |
|---|---|---|
| TellerScore | 79 | 96 (stronger) |
| Capital cushion | 69 | 100 (stronger) |
| Loan quality | 89 | 100 (stronger) |
| Earnings | 85 | 100 (stronger) |
| Funding & liquidity | 64 | 71 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 75th | 99th |
| Total assets | $199.5M | $192.1M |
| Deposits / shares | $121.3M | $153.6M |
| Capital ratio | 11.94% | 15.15% (stronger) |
| Problem loans | 0.33% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.16% |
| Return on assets | 1.63% | 2.40% (stronger) |
| Loans ÷ deposits | 79.9% (stronger) | 84.8% |
| Uninsured deposits | 29.9% | 18.9% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
South Central State Bank has the higher TellerScore (96 vs 79). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and South Central State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.