Side-by-side · Q2 2026 data
First State Bank vs Sage Capital Bank,
Metric by metric
| Measure | First State Bank | Sage Capital Bank, |
|---|---|---|
| TellerScore | 74 | 76 (stronger) |
| Capital cushion | 64 (stronger) | 54 |
| Loan quality | 73 | 100 (stronger) |
| Earnings | 86 (stronger) | 75 |
| Funding & liquidity | 67 (stronger) | 66 |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 57th | 64th |
| Total assets | $761.7M | $768.9M |
| Deposits / shares | $669.5M | $683.3M |
| Capital ratio | 11.44% (stronger) | 10.38% |
| Problem loans | 0.80% | 0.01% (stronger) |
| Net charge-offs | 0.03% | -0.00% (stronger) |
| Return on assets | 1.65% (stronger) | 1.38% |
| Loans ÷ deposits | 70.7% (stronger) | 72.5% |
| Uninsured deposits | 35.3% | 34.2% (stronger) |
| Offices | 7 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.5% | 0.0% |
Sage Capital Bank, has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 3 and Sage Capital Bank, on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.