Side-by-side · Q2 2026 data
First State Bank vs Cedar Valley Bank & Trust
Metric by metric
| Measure | First State Bank | Cedar Valley Bank & Trust |
|---|---|---|
| TellerScore | 93 (stronger) | 54 |
| Capital cushion | 100 (stronger) | 40 |
| Loan quality | 100 (stronger) | 58 |
| Earnings | 78 (stronger) | 76 |
| Funding & liquidity | 81 (stronger) | 34 |
| Problem-loan coverage | 100 (stronger) | 68 |
| Peer percentile | 98th | 10th |
| Total assets | $125.9M | $126.3M |
| Deposits / shares | $102.8M | $114.5M |
| Capital ratio | 17.71% (stronger) | 9.01% |
| Problem loans | 0.00% (stronger) | 1.27% |
| Net charge-offs | 0.00% (stronger) | 0.07% |
| Return on assets | 1.44% (stronger) | 1.40% |
| Loans ÷ deposits | 54.6% (stronger) | 98.0% |
| Uninsured deposits | 32.1% (stronger) | 40.4% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.2% |
First State Bank has the higher TellerScore (93 vs 54). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 7 and Cedar Valley Bank & Trust on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.