Side-by-side · Q2 2026 data
First State Bank Shannon-Polo vs Community Bank
Metric by metric
| Measure | First State Bank Shannon-Polo | Community Bank |
|---|---|---|
| TellerScore | 51 | 75 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 12 | 50 (stronger) |
| Earnings | 58 | 78 (stronger) |
| Funding & liquidity | 93 (stronger) | 57 |
| Problem-loan coverage | 67 | 86 (stronger) |
| Peer percentile | 8th | 61st |
| Total assets | $190.5M | $310.8M |
| Deposits / shares | $167.1M | $210.7M |
| Capital ratio | 10.31% | 16.02% (stronger) |
| Problem loans | 2.64% | 1.50% (stronger) |
| Net charge-offs | 0.53% | -0.06% (stronger) |
| Return on assets | 0.94% | 1.46% (stronger) |
| Loans ÷ deposits | 64.6% (stronger) | 102.1% |
| Uninsured deposits | 17.7% | 16.4% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community Bank has the higher TellerScore (75 vs 51). On the 7 directional measures above (where higher or lower is clearly better), First State Bank Shannon-Polo leads on 1 and Community Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.