Side-by-side · Q2 2026 data
First State Bank vs Peoples Bank
Metric by metric
| Measure | First State Bank | Peoples Bank |
|---|---|---|
| TellerScore | 77 | 90 (stronger) |
| Capital cushion | 62 | 83 (stronger) |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 65 | 93 (stronger) |
| Funding & liquidity | 68 | 79 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 68th | 95th |
| Total assets | $328.1M | $313.8M |
| Deposits / shares | $292.6M | $272.1M |
| Capital ratio | 11.24% | 13.33% (stronger) |
| Problem loans | 0.00% (stronger) | 0.03% |
| Net charge-offs | -0.00% (stronger) | -0.00% |
| Return on assets | 1.12% | 1.82% (stronger) |
| Loans ÷ deposits | 80.9% | 60.7% (stronger) |
| Uninsured deposits | 25.5% (stronger) | 33.9% |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.5% | — |
Peoples Bank has the higher TellerScore (90 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 3 and Peoples Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.