Side-by-side · Q2 2026 data
First State Bank vs Clear Lake Bank and Trust Company
Metric by metric
| Measure | First State Bank | Clear Lake Bank and Trust Company |
|---|---|---|
| TellerScore | 81 (stronger) | 75 |
| Capital cushion | 74 (stronger) | 35 |
| Loan quality | 96 | 100 (stronger) |
| Earnings | 75 | 98 (stronger) |
| Funding & liquidity | 65 (stronger) | 64 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 80th | 61st |
| Total assets | $674.3M | $649.3M |
| Deposits / shares | $572.2M | $585.0M |
| Capital ratio | 12.40% (stronger) | 8.53% |
| Problem loans | 0.12% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.38% | 1.94% (stronger) |
| Loans ÷ deposits | 86.5% | 83.5% (stronger) |
| Uninsured deposits | 22.4% (stronger) | 26.2% |
| Offices | 10 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (81 vs 75). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 4 and Clear Lake Bank and Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.