Side-by-side · Q2 2026 data
First State Bank of Odem vs Charter Bank
Metric by metric
| Measure | First State Bank of Odem | Charter Bank |
|---|---|---|
| TellerScore | 95 (stronger) | 58 |
| Capital cushion | 94 (stronger) | 63 |
| Loan quality | 100 (stronger) | 7 |
| Earnings | 100 | 100 |
| Funding & liquidity | 79 (stronger) | 69 |
| Problem-loan coverage | 100 (stronger) | 67 |
| Peer percentile | 99th | 16th |
| Total assets | $212.6M | $292.3M |
| Deposits / shares | $181.0M | $265.2M |
| Capital ratio | 14.39% (stronger) | 11.30% |
| Problem loans | 0.00% (stronger) | 2.78% |
| Net charge-offs | -0.72% (stronger) | 0.36% |
| Return on assets | 2.40% (stronger) | 2.29% |
| Loans ÷ deposits | 57.0% (stronger) | 61.9% |
| Uninsured deposits | 34.2% (stronger) | 41.0% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of Odem has the higher TellerScore (95 vs 58). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Odem leads on 7 and Charter Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.