Side-by-side · Q2 2026 data
First State Bank vs The Wilmington Savings Bank
Metric by metric
| Measure | First State Bank | The Wilmington Savings Bank |
|---|---|---|
| TellerScore | 70 | 72 (stronger) |
| Capital cushion | 55 | 96 (stronger) |
| Loan quality | 71 | 73 (stronger) |
| Earnings | 64 (stronger) | 51 |
| Funding & liquidity | 89 (stronger) | 39 |
| Problem-loan coverage | 91 | 92 (stronger) |
| Peer percentile | 58th | 50th |
| Total assets | $1.2B | $267.3M |
| Deposits / shares | $1.1B | $228.1M |
| Capital ratio | 10.47% | 14.61% (stronger) |
| Problem loans | 0.86% | 0.82% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.10% (stronger) | 0.78% |
| Loans ÷ deposits | 51.5% (stronger) | 90.9% |
| Uninsured deposits | 25.0% (stronger) | 42.5% |
| Offices | 17 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Wilmington Savings Bank has the higher TellerScore (72 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 3 and The Wilmington Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.