Side-by-side · Q2 2026 data
First State Bank vs Iowa State Bank
Metric by metric
| Measure | First State Bank | Iowa State Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 61 |
| Capital cushion | 48 | 60 (stronger) |
| Loan quality | 93 (stronger) | 11 |
| Earnings | 100 | 100 |
| Funding & liquidity | 53 | 83 (stronger) |
| Problem-loan coverage | 97 (stronger) | 73 |
| Peer percentile | 61st | 20th |
| Total assets | $384.2M | $392.9M |
| Deposits / shares | $308.1M | $339.9M |
| Capital ratio | 9.77% | 11.03% (stronger) |
| Problem loans | 0.21% (stronger) | 2.66% |
| Net charge-offs | 0.01% | -1.29% (stronger) |
| Return on assets | 2.11% | 2.38% (stronger) |
| Loans ÷ deposits | 95.6% | 77.0% (stronger) |
| Uninsured deposits | 26.0% | 15.7% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.5% | — |
First State Bank has the higher TellerScore (75 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and Iowa State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.