Side-by-side · Q2 2026 data
First State Bank Shannon-Polo vs Jersey State Bank
Metric by metric
| Measure | First State Bank Shannon-Polo | Jersey State Bank |
|---|---|---|
| TellerScore | 51 | 75 (stronger) |
| Capital cushion | 53 | 83 (stronger) |
| Loan quality | 12 | 61 (stronger) |
| Earnings | 58 (stronger) | 53 |
| Funding & liquidity | 93 | 100 (stronger) |
| Problem-loan coverage | 67 | 90 (stronger) |
| Peer percentile | 8th | 61st |
| Total assets | $190.5M | $190.1M |
| Deposits / shares | $167.1M | $167.5M |
| Capital ratio | 10.31% | 13.30% (stronger) |
| Problem loans | 2.64% | 1.18% (stronger) |
| Net charge-offs | 0.53% | -0.01% (stronger) |
| Return on assets | 0.94% (stronger) | 0.83% |
| Loans ÷ deposits | 64.6% | 57.2% (stronger) |
| Uninsured deposits | 17.7% | 7.7% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.9% |
Jersey State 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 Jersey State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.