Side-by-side · Q2 2026 data
First Summit Bank vs First State Bank in Temple
Metric by metric
| Measure | First Summit Bank | First State Bank in Temple |
|---|---|---|
| TellerScore | 55 | 64 (stronger) |
| Capital cushion | 87 | 100 (stronger) |
| Loan quality | 0 | 0 |
| Earnings | 47 | 62 (stronger) |
| Funding & liquidity | 99 | 100 (stronger) |
| Problem-loan coverage | 49 | 66 (stronger) |
| Peer percentile | 14th | 24th |
| Total assets | $33.8M | $26.4M |
| Deposits / shares | $29.0M | $21.5M |
| Capital ratio | 13.68% | 22.19% (stronger) |
| Problem loans | 7.11% (stronger) | 8.60% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.68% | 1.06% (stronger) |
| Loans ÷ deposits | 61.3% | 45.2% (stronger) |
| Uninsured deposits | 11.8% (stronger) | 14.3% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank in Temple has the higher TellerScore (64 vs 55). On the 6 directional measures above (where higher or lower is clearly better), First Summit Bank leads on 2 and First State Bank in Temple on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.