Side-by-side · Q2 2026 data
First State Bank vs Third Coast Bank
Metric by metric
| Measure | First State Bank | Third Coast Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 71 |
| Capital cushion | 91 (stronger) | 64 |
| Loan quality | 37 | 83 (stronger) |
| Earnings | 100 (stronger) | 75 |
| Funding & liquidity | 85 (stronger) | 50 |
| Problem-loan coverage | 90 (stronger) | 87 |
| Peer percentile | 72nd | 63rd |
| Total assets | $174.3M | $6.7B |
| Deposits / shares | $148.1M | $5.9B |
| Capital ratio | 14.14% (stronger) | 11.44% |
| Problem loans | 1.90% | 0.50% (stronger) |
| Net charge-offs | 1.04% | -0.01% (stronger) |
| Return on assets | 2.06% (stronger) | 1.37% |
| Loans ÷ deposits | 38.8% (stronger) | 91.9% |
| Uninsured deposits | 28.8% (stronger) | 31.0% |
| Offices | 2 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.2% |
First State Bank has the higher TellerScore (78 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 5 and Third Coast Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.