Side-by-side · Q2 2026 data
First State Bank vs Sundown State Bank
Metric by metric
| Measure | First State Bank | Sundown State Bank |
|---|---|---|
| TellerScore | 78 | 79 (stronger) |
| Capital cushion | 91 (stronger) | 66 |
| Loan quality | 37 | 72 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 85 (stronger) | 80 |
| Problem-loan coverage | 90 | 92 (stronger) |
| Peer percentile | 72nd | 75th |
| Total assets | $174.3M | $307.7M |
| Deposits / shares | $148.1M | $269.6M |
| Capital ratio | 14.14% (stronger) | 11.63% |
| Problem loans | 1.90% | 0.84% (stronger) |
| Net charge-offs | 1.04% | 0.09% (stronger) |
| Return on assets | 2.06% | 4.15% (stronger) |
| Loans ÷ deposits | 38.8% (stronger) | 70.4% |
| Uninsured deposits | 28.8% | 23.4% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sundown State Bank has the higher TellerScore (79 vs 78). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and Sundown State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.