Side-by-side · Q2 2026 data
First State Bank vs Keys Federal Credit Union
Metric by metric
| Measure | First State Bank | Keys Federal Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 62 |
| Capital cushion | 53 | 60 (stronger) |
| Loan quality | 95 (stronger) | 71 |
| Earnings | 41 (stronger) | 31 |
| Funding & liquidity | 60 | 80 (stronger) |
| Problem-loan coverage | 98 (stronger) | 81 |
| Peer percentile | 44th | 26th |
| Total assets | $1.2B | $253.2M |
| Deposits / shares | $1.1B | $218.6M |
| Capital ratio | 10.32% | 10.98% (stronger) |
| Problem loans | 0.15% (stronger) | 0.88% |
| Net charge-offs | -0.06% (stronger) | 1.66% |
| Return on assets | 0.52% (stronger) | 0.28% |
| Loans ÷ deposits | 74.5% (stronger) | 80.6% |
| Uninsured deposits | 38.0% | 7.4% (stronger) |
| Offices | 8 | 2 |
| 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 Keys Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Key West, FL
- Big Pine Key, FL