Side-by-side · Q2 2026 data
First State Bank of Beecher City vs Central Savings, f.s.b.
Metric by metric
| Measure | First State Bank of Beecher City | Central Savings, f.s.b. |
|---|---|---|
| TellerScore | 88 (stronger) | 75 |
| Capital cushion | 100 | 100 |
| Loan quality | 73 | 81 (stronger) |
| Earnings | 100 (stronger) | 40 |
| Funding & liquidity | 71 (stronger) | 50 |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 92nd | 61st |
| Total assets | $112.2M | $111.9M |
| Deposits / shares | $93.7M | $80.6M |
| Capital ratio | 15.98% | 25.49% (stronger) |
| Problem loans | 0.81% | 0.57% (stronger) |
| Net charge-offs | 0.14% | 0.00% (stronger) |
| Return on assets | 2.72% (stronger) | 0.49% |
| Loans ÷ deposits | 87.9% (stronger) | 118.3% |
| Uninsured deposits | 16.2% | 9.7% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of Beecher City has the higher TellerScore (88 vs 75). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Beecher City leads on 3 and Central Savings, f.s.b. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.