Side-by-side · Q2 2026 data
First State Bank vs Two Rivers Federal Credit Union
Metric by metric
| Measure | First State Bank | Two Rivers Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 39 |
| Capital cushion | 62 | 71 (stronger) |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 65 (stronger) | 0 |
| Funding & liquidity | 68 | 82 (stronger) |
| Problem-loan coverage | 100 (stronger) | 54 |
| Peer percentile | 68th | 3rd |
| Total assets | $328.1M | $13.8M |
| Deposits / shares | $292.6M | $12.4M |
| Capital ratio | 11.24% | 12.11% (stronger) |
| Problem loans | 0.00% (stronger) | 3.89% |
| Net charge-offs | -0.00% (stronger) | 0.92% |
| Return on assets | 1.12% (stronger) | -2.58% |
| Loans ÷ deposits | 80.9% | 78.7% (stronger) |
| Uninsured deposits | 25.5% | 5.6% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.5% | — |
First State Bank has the higher TellerScore (77 vs 39). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 4 and Two Rivers Federal Credit Union on 3. 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.