Side-by-side · Q2 2026 data
First State Bank of San Diego vs Kress National Bank
Metric by metric
| Measure | First State Bank of San Diego | Kress National Bank |
|---|---|---|
| TellerScore | 36 | 76 (stronger) |
| Capital cushion | 40 | 46 (stronger) |
| Loan quality | 12 | 100 (stronger) |
| Earnings | 0 | 72 (stronger) |
| Funding & liquidity | 85 | 87 (stronger) |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 2nd | 56th |
| Total assets | $68.2M | $63.7M |
| Deposits / shares | $61.9M | $57.5M |
| Capital ratio | 9.02% | 9.64% (stronger) |
| Problem loans | 2.65% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.24% (stronger) |
| Return on assets | -0.55% | 1.30% (stronger) |
| Loans ÷ deposits | 24.1% (stronger) | 25.8% |
| Uninsured deposits | 29.1% | 27.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Kress National Bank has the higher TellerScore (76 vs 36). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of San Diego leads on 1 and Kress National Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.