Side-by-side · Q2 2026 data
First State Bank Shannon-Polo vs The State Bank of Pearl City
Metric by metric
| Measure | First State Bank Shannon-Polo | The State Bank of Pearl City |
|---|---|---|
| TellerScore | 51 | 71 (stronger) |
| Capital cushion | 53 | 63 (stronger) |
| Loan quality | 12 | 77 (stronger) |
| Earnings | 58 (stronger) | 48 |
| Funding & liquidity | 93 | 93 |
| Problem-loan coverage | 67 | 94 (stronger) |
| Peer percentile | 8th | 42nd |
| Total assets | $190.5M | $73.4M |
| Deposits / shares | $167.1M | $65.7M |
| Capital ratio | 10.31% | 11.31% (stronger) |
| Problem loans | 2.64% | 0.69% (stronger) |
| Net charge-offs | 0.53% | -0.22% (stronger) |
| Return on assets | 0.94% (stronger) | 0.71% |
| Loans ÷ deposits | 64.6% | 48.4% (stronger) |
| Uninsured deposits | 17.7% (stronger) | 21.6% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The State Bank of Pearl City has the higher TellerScore (71 vs 51). On the 7 directional measures above (where higher or lower is clearly better), First State Bank Shannon-Polo leads on 2 and The State Bank of Pearl City on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.