Side-by-side · Q2 2026 data
First State Bank vs FSNB, National Association
Metric by metric
| Measure | First State Bank | FSNB, National Association |
|---|---|---|
| TellerScore | 71 | 96 (stronger) |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 99 (stronger) | 88 |
| Earnings | 45 | 100 (stronger) |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 47th | 99th |
| Total assets | $665.4M | $478.3M |
| Deposits / shares | $547.0M | $369.7M |
| Capital ratio | 11.42% | 17.51% (stronger) |
| Problem loans | 0.04% (stronger) | 0.36% |
| Net charge-offs | 0.00% (stronger) | 1.02% |
| Return on assets | 0.62% | 3.46% (stronger) |
| Loans ÷ deposits | 83.2% | 39.2% (stronger) |
| Uninsured deposits | 34.8% | 8.2% (stronger) |
| Offices | 5 | 66 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.9% | — |
FSNB, National Association has the higher TellerScore (96 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and FSNB, National Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.