Side-by-side · Q2 2026 data
First State Bank of St. Peter vs Vermont State Bank
Metric by metric
| Measure | First State Bank of St. Peter | Vermont State Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 73 |
| Capital cushion | 100 | 100 |
| Loan quality | 43 (stronger) | 0 |
| Earnings | 88 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 96 |
| Problem-loan coverage | 95 (stronger) | 83 |
| Peer percentile | 73rd | 48th |
| Total assets | $30.1M | $31.0M |
| Deposits / shares | $24.6M | $21.0M |
| Capital ratio | 18.52% | 28.17% (stronger) |
| Problem loans | 1.71% (stronger) | 5.08% |
| Net charge-offs | 0.61% | 0.07% (stronger) |
| Return on assets | 1.71% | 6.34% (stronger) |
| Loans ÷ deposits | 30.8% (stronger) | 64.2% |
| Uninsured deposits | 3.5% (stronger) | 5.3% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of St. Peter has the higher TellerScore (83 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of St. Peter leads on 4 and Vermont State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.