Side-by-side · Q2 2026 data
First State Bank vs Dakota Heritage Bank
Metric by metric
| Measure | First State Bank | Dakota Heritage Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 63 |
| Capital cushion | 48 | 48 |
| Loan quality | 100 (stronger) | 46 |
| Earnings | 100 (stronger) | 98 |
| Funding & liquidity | 40 | 66 (stronger) |
| Problem-loan coverage | 100 (stronger) | 74 |
| Peer percentile | 61st | 24th |
| Total assets | $424.2M | $416.8M |
| Deposits / shares | $371.9M | $366.8M |
| Capital ratio | 9.83% | 9.83% (stronger) |
| Problem loans | 0.00% (stronger) | 1.62% |
| Net charge-offs | 0.14% | 0.03% (stronger) |
| Return on assets | 2.08% (stronger) | 1.96% |
| Loans ÷ deposits | 104.4% | 93.4% (stronger) |
| Uninsured deposits | 28.8% | 15.6% (stronger) |
| Offices | 5 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 3.1% |
First State Bank has the higher TellerScore (75 vs 63). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 3 and Dakota Heritage Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.