Side-by-side · Q2 2026 data
First State Bank vs Kerr County Federal Credit Union
Metric by metric
| Measure | First State Bank | Kerr County Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 67 |
| Capital cushion | 56 | 71 (stronger) |
| Loan quality | 88 (stronger) | 61 |
| Earnings | 85 (stronger) | 52 |
| Funding & liquidity | 81 (stronger) | 76 |
| Problem-loan coverage | 98 (stronger) | 82 |
| Peer percentile | 60th | 41st |
| Total assets | $58.2M | $156.2M |
| Deposits / shares | $51.9M | $136.3M |
| Capital ratio | 10.64% | 12.14% (stronger) |
| Problem loans | 0.37% (stronger) | 1.17% |
| Net charge-offs | 0.26% (stronger) | 1.52% |
| Return on assets | 1.62% (stronger) | 0.80% |
| Loans ÷ deposits | 40.3% (stronger) | 84.6% |
| Uninsured deposits | 32.5% | 7.3% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (78 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 5 and Kerr County Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Junction, TX