Side-by-side · Q2 2026 data
First State Bank vs Kirkwood Bank & Trust Co.
Metric by metric
| Measure | First State Bank | Kirkwood Bank & Trust Co. |
|---|---|---|
| TellerScore | 75 | 80 (stronger) |
| Capital cushion | 48 | 49 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 100 (stronger) | 90 |
| Funding & liquidity | 40 | 82 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 61st | 77th |
| Total assets | $424.2M | $351.3M |
| Deposits / shares | $371.9M | $312.6M |
| Capital ratio | 9.83% | 9.91% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.14% | 0.00% (stronger) |
| Return on assets | 2.08% (stronger) | 1.75% |
| Loans ÷ deposits | 104.4% | 71.1% (stronger) |
| Uninsured deposits | 28.8% | 21.9% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 2.1% |
Kirkwood Bank & Trust Co. has the higher TellerScore (80 vs 75). On the 6 directional measures above (where higher or lower is clearly better), First State Bank leads on 1 and Kirkwood Bank & Trust Co. on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.