Side-by-side · Q2 2026 data
First State Bank vs Gulf Atlantic Bank
Metric by metric
| Measure | First State Bank | Gulf Atlantic Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 62 |
| Capital cushion | 53 (stronger) | 44 |
| Loan quality | 95 (stronger) | 93 |
| Earnings | 41 | 47 (stronger) |
| Funding & liquidity | 60 (stronger) | 46 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 44th | 22nd |
| Total assets | $1.2B | $253.2M |
| Deposits / shares | $1.1B | $213.0M |
| Capital ratio | 10.32% (stronger) | 9.38% |
| Problem loans | 0.15% (stronger) | 0.20% |
| Net charge-offs | -0.06% (stronger) | 0.19% |
| Return on assets | 0.52% | 0.68% (stronger) |
| Loans ÷ deposits | 74.5% (stronger) | 89.1% |
| Uninsured deposits | 38.0% | 37.7% (stronger) |
| Offices | 8 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (67 vs 62). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 5 and Gulf Atlantic Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.