Side-by-side · Q2 2026 data
First State Bank vs Clear Lake Bank and Trust Company
Metric by metric
| Measure | First State Bank | Clear Lake Bank and Trust Company |
|---|---|---|
| TellerScore | 93 (stronger) | 75 |
| Capital cushion | 100 (stronger) | 35 |
| Loan quality | 100 | 100 |
| Earnings | 78 | 98 (stronger) |
| Funding & liquidity | 81 (stronger) | 64 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 98th | 61st |
| Total assets | $125.9M | $649.3M |
| Deposits / shares | $102.8M | $585.0M |
| Capital ratio | 17.71% (stronger) | 8.53% |
| Problem loans | 0.00% (stronger) | 0.00% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.44% | 1.94% (stronger) |
| Loans ÷ deposits | 54.6% (stronger) | 83.5% |
| Uninsured deposits | 32.1% | 26.2% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (93 vs 75). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 5 and Clear Lake Bank and Trust Company 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.