Side-by-side · Q2 2026 data
First State Bank vs Victory Bank
Metric by metric
| Measure | First State Bank | Victory Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 77 |
| Capital cushion | 100 (stronger) | 71 |
| Loan quality | 92 | 98 (stronger) |
| Earnings | 73 (stronger) | 61 |
| Funding & liquidity | 47 | 62 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 86th | 68th |
| Total assets | $150.8M | $284.8M |
| Deposits / shares | $122.9M | $250.0M |
| Capital ratio | 15.90% (stronger) | 12.11% |
| Problem loans | 0.23% | 0.05% (stronger) |
| Net charge-offs | 0.19% | -0.00% (stronger) |
| Return on assets | 1.32% (stronger) | 1.02% |
| Loans ÷ deposits | 86.0% | 62.9% (stronger) |
| Uninsured deposits | 39.8% (stronger) | 47.0% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (84 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 4 and Victory Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.