Side-by-side · Q2 2026 data
First State Bank vs First US Bank
Metric by metric
| Measure | First State Bank | First US Bank |
|---|---|---|
| TellerScore | 57 | 67 (stronger) |
| Capital cushion | 57 (stronger) | 42 |
| Loan quality | 61 | 95 (stronger) |
| Earnings | 34 | 51 (stronger) |
| Funding & liquidity | 65 | 73 (stronger) |
| Problem-loan coverage | 81 | 98 (stronger) |
| Peer percentile | 14th | 44th |
| Total assets | $951.5M | $1.1B |
| Deposits / shares | $828.0M | $1.0B |
| Capital ratio | 10.67% (stronger) | 9.16% |
| Problem loans | 1.18% | 0.15% (stronger) |
| Net charge-offs | 0.11% (stronger) | 0.27% |
| Return on assets | 0.34% | 0.77% (stronger) |
| Loans ÷ deposits | 63.8% (stronger) | 84.6% |
| Uninsured deposits | 42.8% | 17.6% (stronger) |
| Offices | 13 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.9% | 30.8% |
First US Bank has the higher TellerScore (67 vs 57). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 3 and First US Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.