Side-by-side · Q2 2026 data
First State Bank vs OptimumBank
Metric by metric
| Measure | First State Bank | OptimumBank |
|---|---|---|
| TellerScore | 67 | 76 (stronger) |
| Capital cushion | 53 | 55 (stronger) |
| Loan quality | 95 (stronger) | 94 |
| Earnings | 41 | 98 (stronger) |
| Funding & liquidity | 60 (stronger) | 47 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 44th | 80th |
| Total assets | $1.2B | $1.4B |
| Deposits / shares | $1.1B | $1.2B |
| Capital ratio | 10.32% | 10.54% (stronger) |
| Problem loans | 0.15% (stronger) | 0.18% |
| Net charge-offs | -0.06% (stronger) | 0.00% |
| Return on assets | 0.52% | 1.95% (stronger) |
| Loans ÷ deposits | 74.5% (stronger) | 97.9% |
| Uninsured deposits | 38.0% | 28.7% (stronger) |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
OptimumBank has the higher TellerScore (76 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 3 and OptimumBank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.