Side-by-side · Q2 2026 data
First State Bank vs American Bank of Commerce
Metric by metric
| Measure | First State Bank | American Bank of Commerce |
|---|---|---|
| TellerScore | 84 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 46 |
| Loan quality | 92 | 95 (stronger) |
| Earnings | 73 (stronger) | 62 |
| Funding & liquidity | 47 | 56 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 86th | 49th |
| Total assets | $150.8M | $1.9B |
| Deposits / shares | $122.9M | $1.4B |
| Capital ratio | 15.90% (stronger) | 9.65% |
| Problem loans | 0.23% | 0.15% (stronger) |
| Net charge-offs | 0.19% | 0.11% (stronger) |
| Return on assets | 1.32% (stronger) | 1.04% |
| Loans ÷ deposits | 86.0% (stronger) | 86.4% |
| Uninsured deposits | 39.8% | 30.8% (stronger) |
| Offices | 4 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.7% |
First State Bank has the higher TellerScore (84 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 4 and American Bank of Commerce on 3. 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.