Side-by-side · Q2 2026 data
First State Community Bank vs Oakstar Bank
Metric by metric
| Measure | First State Community Bank | Oakstar Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 69 |
| Capital cushion | 67 (stronger) | 48 |
| Loan quality | 64 | 84 (stronger) |
| Earnings | 93 (stronger) | 79 |
| Funding & liquidity | 61 (stronger) | 56 |
| Problem-loan coverage | 87 | 92 (stronger) |
| Peer percentile | 70th | 53rd |
| Total assets | $4.5B | $3.3B |
| Deposits / shares | $3.8B | $2.8B |
| Capital ratio | 11.68% (stronger) | 9.79% |
| Problem loans | 1.07% | 0.48% (stronger) |
| Net charge-offs | 0.12% | 0.08% (stronger) |
| Return on assets | 1.82% (stronger) | 1.48% |
| Loans ÷ deposits | 90.4% (stronger) | 100.5% |
| Uninsured deposits | 23.0% | 18.5% (stronger) |
| Offices | 48 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.4% | 4.7% |
First State Community Bank has the higher TellerScore (73 vs 69). On the 7 directional measures above (where higher or lower is clearly better), First State Community Bank leads on 4 and Oakstar Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.