Side-by-side · Q2 2026 data
First State Bank vs InterBank
Metric by metric
| Measure | First State Bank | InterBank |
|---|---|---|
| TellerScore | 81 (stronger) | 62 |
| Capital cushion | 51 | 61 (stronger) |
| Loan quality | 100 (stronger) | 48 |
| Earnings | 81 | 100 (stronger) |
| Funding & liquidity | 97 (stronger) | 28 |
| Problem-loan coverage | 100 (stronger) | 78 |
| Peer percentile | 80th | 27th |
| Total assets | $308.8M | $5.3B |
| Deposits / shares | $275.9M | $4.6B |
| Capital ratio | 10.08% | 11.06% (stronger) |
| Problem loans | 0.00% (stronger) | 1.56% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.52% | 3.22% (stronger) |
| Loans ÷ deposits | 60.5% (stronger) | 103.2% |
| Uninsured deposits | 17.9% (stronger) | 41.0% |
| Offices | 7 | 40 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.3% |
First State Bank has the higher TellerScore (81 vs 62). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 5 and InterBank on 2. 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.
Where both have branches
- Graham, TX
- Olney, TX
- Throckmorton, TX