Side-by-side · Q2 2026 data
First State Bank vs Commercial Bank
Metric by metric
| Measure | First State Bank | Commercial Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 56 |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 37 | 62 (stronger) |
| Funding & liquidity | 86 (stronger) | 42 |
| Problem-loan coverage | 100 (stronger) | 71 |
| Peer percentile | 58th | 15th |
| Total assets | $46.8M | $56.5M |
| Deposits / shares | $39.8M | $47.0M |
| Capital ratio | 12.20% | 15.24% (stronger) |
| Problem loans | 0.00% (stronger) | 3.06% |
| Net charge-offs | 0.00% (stronger) | 0.25% |
| Return on assets | 0.41% | 1.05% (stronger) |
| Loans ÷ deposits | 74.5% (stronger) | 82.1% |
| Uninsured deposits | 10.1% (stronger) | 47.3% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (77 vs 56). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 5 and Commercial Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.