Side-by-side · Q2 2026 data
First State Bank vs City National Bank
Metric by metric
| Measure | First State Bank | City National Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 54 |
| Capital cushion | 64 | 85 (stronger) |
| Loan quality | 73 (stronger) | 12 |
| Earnings | 86 (stronger) | 35 |
| Funding & liquidity | 67 | 72 (stronger) |
| Problem-loan coverage | 91 (stronger) | 74 |
| Peer percentile | 57th | 13th |
| Total assets | $761.7M | $62.0M |
| Deposits / shares | $669.5M | $52.5M |
| Capital ratio | 11.44% | 13.54% (stronger) |
| Problem loans | 0.80% (stronger) | 2.65% |
| Net charge-offs | 0.03% | -0.00% (stronger) |
| Return on assets | 1.65% (stronger) | 0.36% |
| Loans ÷ deposits | 70.7% (stronger) | 80.6% |
| Uninsured deposits | 35.3% | 21.7% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.5% | — |
First State Bank has the higher TellerScore (74 vs 54). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 4 and City National Bank 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.