Side-by-side · Q2 2026 data
First State Bank vs United Republic Bank
Metric by metric
| Measure | First State Bank | United Republic Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 36 |
| Capital cushion | 69 (stronger) | 66 |
| Loan quality | 89 (stronger) | 0 |
| Earnings | 85 (stronger) | 26 |
| Funding & liquidity | 64 | 69 (stronger) |
| Problem-loan coverage | 97 (stronger) | 3 |
| Peer percentile | 75th | 1st |
| Total assets | $199.5M | $185.8M |
| Deposits / shares | $121.3M | $147.4M |
| Capital ratio | 11.94% (stronger) | 11.57% |
| Problem loans | 0.33% (stronger) | 4.89% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.63% (stronger) | 0.15% |
| Loans ÷ deposits | 79.9% (stronger) | 91.1% |
| Uninsured deposits | 29.9% | 8.1% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (79 vs 36). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 5 and United Republic Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.