Side-by-side · Q2 2026 data
First State Bank of St. Charles, Missouri vs Co - Lib Credit Union
Bank
First State Bank of St. Charles, Missouri
St. Charles, Missouri · $100 million – $1 billion
Metric by metric
| Measure | First State Bank of St. Charles, Missouri | Co - Lib Credit Union |
|---|---|---|
| TellerScore | 85 | 91 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 87 (stronger) | 73 |
| Earnings | 87 | 100 (stronger) |
| Funding & liquidity | 43 | 90 (stronger) |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 88th | 90th |
| Total assets | $535.2M | $1.4M |
| Deposits / shares | $400.8M | $1.2M |
| Capital ratio | 15.65% (stronger) | 15.46% |
| Problem loans | 0.40% (stronger) | 0.82% |
| Net charge-offs | -0.00% | -0.22% (stronger) |
| Return on assets | 1.67% | 4.01% (stronger) |
| Loans ÷ deposits | 106.1% | 70.1% (stronger) |
| Uninsured deposits | 25.3% | 0.0% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Co - Lib Credit Union has the higher TellerScore (91 vs 85). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of St. Charles, Missouri leads on 2 and Co - Lib Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.