Side-by-side · Q2 2026 data
First State Bank vs American State Bank
Metric by metric
| Measure | First State Bank | American State Bank |
|---|---|---|
| TellerScore | 82 | 83 (stronger) |
| Capital cushion | 69 (stronger) | 61 |
| Loan quality | 99 | 99 |
| Earnings | 66 | 100 (stronger) |
| Funding & liquidity | 92 (stronger) | 64 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 82nd | 84th |
| Total assets | $129.7M | $360.8M |
| Deposits / shares | $114.0M | $282.8M |
| Capital ratio | 11.95% (stronger) | 11.11% |
| Problem loans | 0.03% (stronger) | 0.04% |
| Net charge-offs | -0.01% (stronger) | 0.03% |
| Return on assets | 1.15% | 2.18% (stronger) |
| Loans ÷ deposits | 47.5% (stronger) | 87.1% |
| Uninsured deposits | 22.6% (stronger) | 23.0% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.1% |
American State Bank has the higher TellerScore (83 vs 82). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 5 and American State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.