Side-by-side · Q2 2026 data
First State Bank vs White County Federal Credit Union
Credit union
White County Federal Credit Union
Searcy, Arkansas · Under $100 million in assets
Metric by metric
| Measure | First State Bank | White County Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 65 |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 100 (stronger) | 14 |
| Earnings | 65 (stronger) | 59 |
| Funding & liquidity | 68 | 80 (stronger) |
| Problem-loan coverage | 100 (stronger) | 80 |
| Peer percentile | 68th | 30th |
| Total assets | $328.1M | $17.0M |
| Deposits / shares | $292.6M | $13.8M |
| Capital ratio | 11.24% | 17.68% (stronger) |
| Problem loans | 0.00% (stronger) | 2.58% |
| Net charge-offs | -0.00% (stronger) | 0.15% |
| Return on assets | 1.12% (stronger) | 0.99% |
| Loans ÷ deposits | 80.9% | 80.4% (stronger) |
| Uninsured deposits | 25.5% | 0.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.5% | — |
First State Bank has the higher TellerScore (77 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 4 and White County 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.