Side-by-side · Q2 2026 data
First State Bank vs United Bank
Metric by metric
| Measure | First State Bank | United Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 74 |
| Capital cushion | 62 (stronger) | 57 |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 65 | 68 (stronger) |
| Funding & liquidity | 68 (stronger) | 60 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 68th | 57th |
| Total assets | $328.1M | $296.0M |
| Deposits / shares | $292.6M | $260.3M |
| Capital ratio | 11.24% (stronger) | 10.66% |
| Problem loans | 0.00% (stronger) | 0.10% |
| Net charge-offs | -0.00% (stronger) | -0.00% |
| Return on assets | 1.12% | 1.20% (stronger) |
| Loans ÷ deposits | 80.9% (stronger) | 93.6% |
| Uninsured deposits | 25.5% | 21.5% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.5% | 17.9% |
First State Bank has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 5 and United Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.