Side-by-side · Q2 2026 data
First State Community Bank vs Horizon Credit Union
Metric by metric
| Measure | First State Community Bank | Horizon Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 68 |
| Capital cushion | 67 | 68 (stronger) |
| Loan quality | 64 | 72 (stronger) |
| Earnings | 93 (stronger) | 34 |
| Funding & liquidity | 61 | 89 (stronger) |
| Problem-loan coverage | 87 | 91 (stronger) |
| Peer percentile | 70th | 36th |
| Total assets | $4.5B | $58.8M |
| Deposits / shares | $3.8B | $51.3M |
| Capital ratio | 11.68% | 11.83% (stronger) |
| Problem loans | 1.07% | 0.84% (stronger) |
| Net charge-offs | 0.12% (stronger) | 0.40% |
| Return on assets | 1.82% (stronger) | 0.34% |
| Loans ÷ deposits | 90.4% | 70.8% (stronger) |
| Uninsured deposits | 23.0% | 5.4% (stronger) |
| Offices | 48 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.4% | — |
First State Community Bank has the higher TellerScore (73 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First State Community Bank leads on 3 and Horizon Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Macon, MO