Side-by-side · Q2 2026 data
First State Bank vs Lamar National Bank
Metric by metric
| Measure | First State Bank | Lamar National Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 73 |
| Capital cushion | 76 (stronger) | 56 |
| Loan quality | 100 (stronger) | 95 |
| Earnings | 100 (stronger) | 49 |
| Funding & liquidity | 70 | 90 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 92nd | 53rd |
| Total assets | $371.9M | $375.9M |
| Deposits / shares | $326.4M | $335.9M |
| Capital ratio | 12.58% (stronger) | 10.64% |
| Problem loans | 0.00% (stronger) | 0.15% |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 2.27% (stronger) | 0.73% |
| Loans ÷ deposits | 74.7% | 64.9% (stronger) |
| Uninsured deposits | 28.9% | 19.5% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.2% |
First State Bank has the higher TellerScore (88 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 5 and Lamar National Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.