Side-by-side · Q2 2026 data
First State Bank vs First Community Bank
Metric by metric
| Measure | First State Bank | First Community Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 62 |
| Capital cushion | 62 (stronger) | 40 |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 65 | 73 (stronger) |
| Funding & liquidity | 68 (stronger) | 42 |
| Problem-loan coverage | 100 (stronger) | 69 |
| Peer percentile | 68th | 27th |
| Total assets | $328.1M | $3.6B |
| Deposits / shares | $292.6M | $2.9B |
| Capital ratio | 11.24% (stronger) | 9.04% |
| Problem loans | 0.00% (stronger) | 0.31% |
| Net charge-offs | -0.00% (stronger) | 0.14% |
| Return on assets | 1.12% | 1.32% (stronger) |
| Loans ÷ deposits | 80.9% (stronger) | 101.8% |
| Uninsured deposits | 25.5% (stronger) | 29.5% |
| Offices | 5 | 34 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.5% | 6.5% |
First State Bank has the higher TellerScore (77 vs 62). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 6 and First Community Bank on 1. 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.