Side-by-side · Q2 2026 data
First State Bank vs South Story Bank & Trust
Metric by metric
| Measure | First State Bank | South Story Bank & Trust |
|---|---|---|
| TellerScore | 81 (stronger) | 57 |
| Capital cushion | 74 (stronger) | 59 |
| Loan quality | 96 (stronger) | 74 |
| Earnings | 75 (stronger) | 46 |
| Funding & liquidity | 65 (stronger) | 19 |
| Problem-loan coverage | 99 (stronger) | 86 |
| Peer percentile | 80th | 14th |
| Total assets | $674.3M | $623.9M |
| Deposits / shares | $572.2M | $491.3M |
| Capital ratio | 12.40% (stronger) | 10.93% |
| Problem loans | 0.12% (stronger) | 0.78% |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 1.38% (stronger) | 0.65% |
| Loans ÷ deposits | 86.5% (stronger) | 115.1% |
| Uninsured deposits | 22.4% (stronger) | 43.3% |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.8% |
First State Bank has the higher TellerScore (81 vs 57). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 7 and South Story Bank & Trust on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.