Side-by-side · Q2 2026 data
First State Bank vs Helm Bank USA
Metric by metric
| Measure | First State Bank | Helm Bank USA |
|---|---|---|
| TellerScore | 67 (stronger) | 59 |
| Capital cushion | 53 | 62 (stronger) |
| Loan quality | 95 (stronger) | 45 |
| Earnings | 41 | 64 (stronger) |
| Funding & liquidity | 60 (stronger) | 56 |
| Problem-loan coverage | 98 (stronger) | 82 |
| Peer percentile | 44th | 19th |
| Total assets | $1.2B | $1.2B |
| Deposits / shares | $1.1B | $1.1B |
| Capital ratio | 10.32% | 11.18% (stronger) |
| Problem loans | 0.15% (stronger) | 1.65% |
| Net charge-offs | -0.06% (stronger) | -0.00% |
| Return on assets | 0.52% | 1.09% (stronger) |
| Loans ÷ deposits | 74.5% | 61.4% (stronger) |
| Uninsured deposits | 38.0% (stronger) | 53.6% |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.3% |
First State Bank has the higher TellerScore (67 vs 59). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 4 and Helm Bank USA on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.