Side-by-side · Q2 2026 data
First State Bank vs American Commerce Bank, National Association
Metric by metric
| Measure | First State Bank | American Commerce Bank, National Association |
|---|---|---|
| TellerScore | 77 (stronger) | 63 |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 89 (stronger) | 1 |
| Earnings | 93 (stronger) | 91 |
| Funding & liquidity | 67 (stronger) | 51 |
| Problem-loan coverage | 95 (stronger) | 73 |
| Peer percentile | 68th | 24th |
| Total assets | $512.7M | $495.7M |
| Deposits / shares | $444.8M | $392.1M |
| Capital ratio | 10.53% | 17.09% (stronger) |
| Problem loans | 0.32% (stronger) | 2.98% |
| Net charge-offs | 0.00% (stronger) | 0.09% |
| Return on assets | 1.84% (stronger) | 1.79% |
| Loans ÷ deposits | 93.5% (stronger) | 102.4% |
| Uninsured deposits | 14.6% (stronger) | 21.4% |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.6% | — |
First State Bank has the higher TellerScore (77 vs 63). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 6 and American Commerce Bank, National Association on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.