Side-by-side · Q2 2026 data
First State Bank vs Cross Bank
Metric by metric
| Measure | First State Bank | Cross Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 54 |
| Capital cushion | 64 (stronger) | 55 |
| Loan quality | 99 (stronger) | 18 |
| Earnings | 45 | 97 (stronger) |
| Funding & liquidity | 55 (stronger) | 51 |
| Problem-loan coverage | 100 (stronger) | 62 |
| Peer percentile | 47th | 10th |
| Total assets | $665.4M | $593.5M |
| Deposits / shares | $547.0M | $480.7M |
| Capital ratio | 11.42% (stronger) | 10.45% |
| Problem loans | 0.04% (stronger) | 2.47% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 0.62% | 1.91% (stronger) |
| Loans ÷ deposits | 83.2% (stronger) | 97.7% |
| Uninsured deposits | 34.8% | 26.0% (stronger) |
| Offices | 5 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.9% | 1.2% |
First State Bank has the higher TellerScore (71 vs 54). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 5 and Cross Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.