Side-by-side · Q2 2026 data
First State Community Bank vs Academy Bank, National Association
Metric by metric
| Measure | First State Community Bank | Academy Bank, National Association |
|---|---|---|
| TellerScore | 73 | 73 |
| Capital cushion | 67 | 93 (stronger) |
| Loan quality | 64 | 65 (stronger) |
| Earnings | 93 (stronger) | 62 |
| Funding & liquidity | 61 (stronger) | 49 |
| Problem-loan coverage | 87 | 90 (stronger) |
| Peer percentile | 70th | 70th |
| Total assets | $4.5B | $3.2B |
| Deposits / shares | $3.8B | $2.7B |
| Capital ratio | 11.68% | 14.35% (stronger) |
| Problem loans | 1.07% | 1.05% (stronger) |
| Net charge-offs | 0.12% (stronger) | 0.29% |
| Return on assets | 1.82% (stronger) | 1.05% |
| Loans ÷ deposits | 90.4% (stronger) | 91.7% |
| Uninsured deposits | 23.0% (stronger) | 32.5% |
| Offices | 48 | 80 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.4% | 8.2% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First State Community Bank leads on 4 and Academy Bank, National Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.