Side-by-side · Q2 2026 data
First State Bank vs Readlyn Savings Bank
Metric by metric
| Measure | First State Bank | Readlyn Savings Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 66 |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 69 (stronger) | 0 |
| Earnings | 48 | 91 (stronger) |
| Funding & liquidity | 85 (stronger) | 66 |
| Problem-loan coverage | 92 (stronger) | 79 |
| Peer percentile | 34th | 31st |
| Total assets | $141.7M | $148.3M |
| Deposits / shares | $117.8M | $111.6M |
| Capital ratio | 11.23% | 19.30% (stronger) |
| Problem loans | 0.92% (stronger) | 3.04% |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 0.71% | 1.77% (stronger) |
| Loans ÷ deposits | 52.6% (stronger) | 84.9% |
| Uninsured deposits | 29.1% | 23.6% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (67 vs 66). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 4 and Readlyn Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.