Side-by-side · Q2 2026 data
First State Bank vs First National Bank of Coffee County
Metric by metric
| Measure | First State Bank | First National Bank of Coffee County |
|---|---|---|
| TellerScore | 77 (stronger) | 70 |
| Capital cushion | 55 (stronger) | 38 |
| Loan quality | 89 | 92 (stronger) |
| Earnings | 93 (stronger) | 77 |
| Funding & liquidity | 67 | 69 (stronger) |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 68th | 43rd |
| Total assets | $512.7M | $547.5M |
| Deposits / shares | $444.8M | $494.7M |
| Capital ratio | 10.53% (stronger) | 8.85% |
| Problem loans | 0.32% | 0.24% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.84% (stronger) | 1.41% |
| Loans ÷ deposits | 93.5% | 56.3% (stronger) |
| Uninsured deposits | 14.6% (stronger) | 43.2% |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.6% | 1.2% |
First State Bank has the higher TellerScore (77 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 4 and First National Bank of Coffee County on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.