Side-by-side · Q2 2026 data
First State Community Bank vs Phelps County Bank
Metric by metric
| Measure | First State Community Bank | Phelps County Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 61 |
| Capital cushion | 67 (stronger) | 39 |
| Loan quality | 64 (stronger) | 61 |
| Earnings | 93 (stronger) | 75 |
| Funding & liquidity | 61 | 72 (stronger) |
| Problem-loan coverage | 87 (stronger) | 79 |
| Peer percentile | 70th | 20th |
| Total assets | $4.5B | $621.7M |
| Deposits / shares | $3.8B | $565.5M |
| Capital ratio | 11.68% (stronger) | 8.88% |
| Problem loans | 1.07% (stronger) | 1.16% |
| Net charge-offs | 0.12% | 0.01% (stronger) |
| Return on assets | 1.82% (stronger) | 1.36% |
| Loans ÷ deposits | 90.4% | 82.4% (stronger) |
| Uninsured deposits | 23.0% | 19.8% (stronger) |
| Offices | 48 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.4% | — |
First State Community Bank has the higher TellerScore (73 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First State Community Bank leads on 4 and Phelps County Bank on 3. 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.