Side-by-side · Q2 2026 data
First State Bank vs Harmony Bank
Metric by metric
| Measure | First State Bank | Harmony Bank |
|---|---|---|
| TellerScore | 74 | 75 (stronger) |
| Capital cushion | 64 | 69 (stronger) |
| Loan quality | 73 | 99 (stronger) |
| Earnings | 86 (stronger) | 66 |
| Funding & liquidity | 67 (stronger) | 43 |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 57th | 61st |
| Total assets | $761.7M | $855.3M |
| Deposits / shares | $669.5M | $707.7M |
| Capital ratio | 11.44% | 11.90% (stronger) |
| Problem loans | 0.80% | 0.02% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.52% |
| Return on assets | 1.65% (stronger) | 1.16% |
| Loans ÷ deposits | 70.7% (stronger) | 88.0% |
| Uninsured deposits | 35.3% (stronger) | 41.4% |
| Offices | 7 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.5% | 19.0% |
Harmony Bank has the higher TellerScore (75 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 4 and Harmony Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.