Side-by-side · Q2 2026 data
First State Bank vs Community State Bank
Metric by metric
| Measure | First State Bank | Community State Bank |
|---|---|---|
| TellerScore | 49 (stronger) | 41 |
| Capital cushion | 54 (stronger) | 25 |
| Loan quality | 25 (stronger) | 5 |
| Earnings | 33 | 52 (stronger) |
| Funding & liquidity | 91 | 94 (stronger) |
| Problem-loan coverage | 58 | 79 (stronger) |
| Peer percentile | 9th | 4th |
| Total assets | $82.1M | $89.7M |
| Deposits / shares | $74.1M | $82.8M |
| Capital ratio | 10.37% (stronger) | 7.49% |
| Problem loans | 2.25% (stronger) | 2.85% |
| Net charge-offs | 0.60% | 0.05% (stronger) |
| Return on assets | 0.33% | 0.79% (stronger) |
| Loans ÷ deposits | 69.2% | 32.7% (stronger) |
| Uninsured deposits | 8.9% (stronger) | 20.4% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (49 vs 41). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 4 and Community State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.