Side-by-side · Q2 2026 data
First State Bank vs Capitol Bank
Metric by metric
| Measure | First State Bank | Capitol Bank |
|---|---|---|
| TellerScore | 69 | 79 (stronger) |
| Capital cushion | 48 | 74 (stronger) |
| Loan quality | 96 | 99 (stronger) |
| Earnings | 53 | 65 (stronger) |
| Funding & liquidity | 68 (stronger) | 57 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 40th | 75th |
| Total assets | $558.1M | $565.3M |
| Deposits / shares | $449.8M | $473.0M |
| Capital ratio | 9.80% | 12.42% (stronger) |
| Problem loans | 0.12% | 0.02% (stronger) |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 0.83% | 1.12% (stronger) |
| Loans ÷ deposits | 87.1% (stronger) | 89.8% |
| Uninsured deposits | 19.5% (stronger) | 27.1% |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.3% |
Capitol Bank has the higher TellerScore (79 vs 69). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and Capitol Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.