Side-by-side · Q2 2026 data
First State Bank vs Northstar Bank
Metric by metric
| Measure | First State Bank | Northstar Bank |
|---|---|---|
| TellerScore | 63 (stronger) | 59 |
| Capital cushion | 50 (stronger) | 41 |
| Loan quality | 73 | 73 |
| Earnings | 69 | 72 (stronger) |
| Funding & liquidity | 50 (stronger) | 44 |
| Problem-loan coverage | 88 (stronger) | 77 |
| Peer percentile | 30th | 19th |
| Total assets | $1.3B | $1.2B |
| Deposits / shares | $1.2B | $973.6M |
| Capital ratio | 10.01% (stronger) | 9.11% |
| Problem loans | 0.81% | 0.80% (stronger) |
| Net charge-offs | 0.13% | -0.02% (stronger) |
| Return on assets | 1.24% | 1.30% (stronger) |
| Loans ÷ deposits | 85.8% (stronger) | 101.0% |
| Uninsured deposits | 36.8% | 28.4% (stronger) |
| Offices | 11 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.6% | 2.2% |
First State Bank has the higher TellerScore (63 vs 59). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 3 and Northstar Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.