Side-by-side · Q2 2026 data
First State Bank vs Unison Bank
Metric by metric
| Measure | First State Bank | Unison Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 67 |
| Capital cushion | 48 | 50 (stronger) |
| Loan quality | 100 (stronger) | 85 |
| Earnings | 100 (stronger) | 71 |
| Funding & liquidity | 40 | 51 (stronger) |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 61st | 34th |
| Total assets | $424.2M | $596.9M |
| Deposits / shares | $371.9M | $499.1M |
| Capital ratio | 9.83% | 10.02% (stronger) |
| Problem loans | 0.00% (stronger) | 0.44% |
| Net charge-offs | 0.14% (stronger) | 0.24% |
| Return on assets | 2.08% (stronger) | 1.29% |
| Loans ÷ deposits | 104.4% | 88.7% (stronger) |
| Uninsured deposits | 28.8% (stronger) | 33.6% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
First State Bank has the higher TellerScore (75 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 5 and Unison Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.