Side-by-side · Q2 2026 data
First State Bank vs American Heritage Bank
Metric by metric
| Measure | First State Bank | American Heritage Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 83 |
| Capital cushion | 93 (stronger) | 61 |
| Loan quality | 99 (stronger) | 93 |
| Earnings | 60 | 94 (stronger) |
| Funding & liquidity | 60 | 88 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 86th | 84th |
| Total assets | $188.0M | $153.2M |
| Deposits / shares | $160.5M | $137.2M |
| Capital ratio | 14.27% (stronger) | 11.09% |
| Problem loans | 0.03% (stronger) | 0.22% |
| Net charge-offs | -0.05% (stronger) | -0.00% |
| Return on assets | 1.01% | 1.85% (stronger) |
| Loans ÷ deposits | 6.5% (stronger) | 52.1% |
| Uninsured deposits | 50.9% | 26.2% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (84 vs 83). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 5 and American Heritage Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.