Side-by-side · Q2 2026 data
First State Bank of the South, Inc. vs Nova Bank
Metric by metric
| Measure | First State Bank of the South, Inc. | Nova Bank |
|---|---|---|
| TellerScore | 89 (stronger) | 82 |
| Capital cushion | 100 | 100 |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 62 (stronger) | 48 |
| Funding & liquidity | 96 (stronger) | 52 |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 94th | 70th |
| Total assets | $130.7M | $91.2M |
| Deposits / shares | $109.2M | $66.1M |
| Capital ratio | 16.38% | 28.11% (stronger) |
| Problem loans | 0.24% | 0.00% (stronger) |
| Net charge-offs | -0.01% | -0.01% (stronger) |
| Return on assets | 1.05% (stronger) | 0.69% |
| Loans ÷ deposits | 51.8% (stronger) | 106.4% |
| Uninsured deposits | 18.7% | 16.6% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of the South, Inc. has the higher TellerScore (89 vs 82). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of the South, Inc. leads on 3 and Nova Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.