Side-by-side · Q2 2026 data
First State Bank vs Third Coast Bank
Metric by metric
| Measure | First State Bank | Third Coast Bank |
|---|---|---|
| TellerScore | 62 | 71 (stronger) |
| Capital cushion | 45 | 64 (stronger) |
| Loan quality | 54 | 83 (stronger) |
| Earnings | 99 (stronger) | 75 |
| Funding & liquidity | 55 (stronger) | 50 |
| Problem-loan coverage | 74 | 87 (stronger) |
| Peer percentile | 22nd | 63rd |
| Total assets | $478.1M | $6.7B |
| Deposits / shares | $429.1M | $5.9B |
| Capital ratio | 9.48% | 11.44% (stronger) |
| Problem loans | 1.38% | 0.50% (stronger) |
| Net charge-offs | 0.09% | -0.01% (stronger) |
| Return on assets | 1.98% (stronger) | 1.37% |
| Loans ÷ deposits | 81.5% (stronger) | 91.9% |
| Uninsured deposits | 36.2% | 31.0% (stronger) |
| Offices | 3 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | 2.2% |
Third Coast Bank has the higher TellerScore (71 vs 62). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and Third Coast Bank on 5. 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.