Side-by-side · Q2 2026 data
First State Bank vs Employees Credit Union
Metric by metric
| Measure | First State Bank | Employees Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 70 |
| Capital cushion | 74 | 100 (stronger) |
| Loan quality | 96 (stronger) | 0 |
| Earnings | 75 | 84 (stronger) |
| Funding & liquidity | 65 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 85 |
| Peer percentile | 80th | 51st |
| Total assets | $674.3M | $203.4M |
| Deposits / shares | $572.2M | $164.1M |
| Capital ratio | 12.40% | 18.96% (stronger) |
| Problem loans | 0.12% (stronger) | 3.25% |
| Net charge-offs | 0.00% (stronger) | 0.25% |
| Return on assets | 1.38% | 1.61% (stronger) |
| Loans ÷ deposits | 86.5% | 53.5% (stronger) |
| Uninsured deposits | 22.4% | 11.4% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (81 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 3 and Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Estherville, IA