Side-by-side · Q2 2026 data
First State Bank vs Iowa Trust & Savings Bank
Metric by metric
| Measure | First State Bank | Iowa Trust & Savings Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 63 |
| Capital cushion | 74 (stronger) | 58 |
| Loan quality | 96 (stronger) | 74 |
| Earnings | 75 (stronger) | 50 |
| Funding & liquidity | 65 (stronger) | 51 |
| Problem-loan coverage | 99 (stronger) | 90 |
| Peer percentile | 80th | 24th |
| Total assets | $674.3M | $522.0M |
| Deposits / shares | $572.2M | $396.4M |
| Capital ratio | 12.40% (stronger) | 10.82% |
| Problem loans | 0.12% (stronger) | 0.79% |
| Net charge-offs | 0.00% (stronger) | 0.34% |
| Return on assets | 1.38% (stronger) | 0.75% |
| Loans ÷ deposits | 86.5% (stronger) | 92.4% |
| Uninsured deposits | 22.4% (stronger) | 29.9% |
| Offices | 10 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.3% |
First State Bank has the higher TellerScore (81 vs 63). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 7 and Iowa Trust & Savings Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.