Side-by-side · Q2 2026 data
First State Bank vs Sunbelt Federal Credit Union
Credit union
Sunbelt Federal Credit Union
Hattiesburg, Mississippi · $100 million – $1 billion
Metric by metric
| Measure | First State Bank | Sunbelt Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 85 (stronger) |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 61 | 87 (stronger) |
| Earnings | 34 | 56 (stronger) |
| Funding & liquidity | 65 | 82 (stronger) |
| Problem-loan coverage | 81 | 97 (stronger) |
| Peer percentile | 14th | 87th |
| Total assets | $951.5M | $366.4M |
| Deposits / shares | $828.0M | $305.2M |
| Capital ratio | 10.67% | 16.22% (stronger) |
| Problem loans | 1.18% | 0.39% (stronger) |
| Net charge-offs | 0.11% (stronger) | 1.06% |
| Return on assets | 0.34% | 0.90% (stronger) |
| Loans ÷ deposits | 63.8% (stronger) | 77.9% |
| Uninsured deposits | 42.8% | 7.8% (stronger) |
| Offices | 13 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.9% | 28.9% |
Sunbelt Federal Credit Union has the higher TellerScore (85 vs 57). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and Sunbelt Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Waynesboro, MS
- Laurel, MS
- Ellisville, MS