Side-by-side · Q2 2026 data
First State Bank vs SSB Bank
Metric by metric
| Measure | First State Bank | SSB Bank |
|---|---|---|
| TellerScore | 74 | 80 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 89 | 97 (stronger) |
| Earnings | 62 (stronger) | 21 |
| Funding & liquidity | 71 | 75 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 57th | 77th |
| Total assets | $139.6M | $129.9M |
| Deposits / shares | $130.5M | $104.7M |
| Capital ratio | 11.21% | 17.01% (stronger) |
| Problem loans | 0.34% | 0.09% (stronger) |
| Net charge-offs | 0.09% | 0.05% (stronger) |
| Return on assets | 1.05% (stronger) | 0.03% |
| Loans ÷ deposits | 30.6% (stronger) | 82.2% |
| Uninsured deposits | 41.4% | 17.7% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
SSB Bank has the higher TellerScore (80 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and SSB Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.