Side-by-side · Q2 2026 data
First State Bank vs Electric Cooperatives
Metric by metric
| Measure | First State Bank | Electric Cooperatives |
|---|---|---|
| TellerScore | 77 | 94 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 65 | 77 (stronger) |
| Funding & liquidity | 68 | 94 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 68th | 95th |
| Total assets | $328.1M | $18.6M |
| Deposits / shares | $292.6M | $15.8M |
| Capital ratio | 11.24% | 15.16% (stronger) |
| Problem loans | 0.00% (stronger) | 0.08% |
| Net charge-offs | -0.00% (stronger) | 0.03% |
| Return on assets | 1.12% | 1.43% (stronger) |
| Loans ÷ deposits | 80.9% | 66.5% (stronger) |
| Uninsured deposits | 25.5% | 2.9% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.5% | — |
Electric Cooperatives has the higher TellerScore (94 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and Electric Cooperatives on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.