Side-by-side · Q2 2026 data
First State Bank vs North Central Bank
Metric by metric
| Measure | First State Bank | North Central Bank |
|---|---|---|
| TellerScore | 69 | 82 (stronger) |
| Capital cushion | 59 | 73 (stronger) |
| Loan quality | 84 | 91 (stronger) |
| Earnings | 67 | 73 (stronger) |
| Funding & liquidity | 49 | 86 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 53rd | 82nd |
| Total assets | $1.6B | $165.9M |
| Deposits / shares | $1.3B | $144.7M |
| Capital ratio | 10.93% | 12.26% (stronger) |
| Problem loans | 0.47% | 0.26% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.16% | 1.33% (stronger) |
| Loans ÷ deposits | 98.1% | 58.5% (stronger) |
| Uninsured deposits | 26.8% (stronger) | 27.6% |
| Offices | 18 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.3% | — |
North Central Bank has the higher TellerScore (82 vs 69). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 1 and North Central Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.