Side-by-side · Q2 2026 data
First State Bank vs North Shore Bank
Metric by metric
| Measure | First State Bank | North Shore Bank |
|---|---|---|
| TellerScore | 69 | 84 (stronger) |
| Capital cushion | 48 | 94 (stronger) |
| Loan quality | 96 | 97 (stronger) |
| Earnings | 53 | 61 (stronger) |
| Funding & liquidity | 68 (stronger) | 66 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 40th | 95th |
| Total assets | $558.1M | $2.6B |
| Deposits / shares | $449.8M | $2.2B |
| Capital ratio | 9.80% | 14.45% (stronger) |
| Problem loans | 0.12% | 0.10% (stronger) |
| Net charge-offs | 0.02% | 0.02% (stronger) |
| Return on assets | 0.83% | 1.02% (stronger) |
| Loans ÷ deposits | 87.1% (stronger) | 94.5% |
| Uninsured deposits | 19.5% | 11.8% (stronger) |
| Offices | 8 | 42 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 32.8% |
North Shore Bank has the higher TellerScore (84 vs 69). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 1 and North Shore Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.