Side-by-side · Q2 2026 data
First State Bank vs Southern Gas Federal Credit Union
Credit union
Southern Gas Federal Credit Union
Little Rock, Arkansas · Under $100 million in assets
Metric by metric
| Measure | First State Bank | Southern Gas Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 82 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 65 (stronger) | 33 |
| Funding & liquidity | 68 (stronger) | 66 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 68th | 70th |
| Total assets | $328.1M | $5.7M |
| Deposits / shares | $292.6M | $4.2M |
| Capital ratio | 11.24% | 26.10% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | -0.00% | -1.00% (stronger) |
| Return on assets | 1.12% (stronger) | 0.33% |
| Loans ÷ deposits | 80.9% (stronger) | 93.9% |
| Uninsured deposits | 25.5% | 6.8% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.5% | — |
Southern Gas Federal Credit Union has the higher TellerScore (82 vs 77). On the 6 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and Southern Gas Federal Credit Union on 4. 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.