Side-by-side · Q2 2026 data
First Trust and Savings Bank vs First Central State Bank
Metric by metric
| Measure | First Trust and Savings Bank | First Central State Bank |
|---|---|---|
| TellerScore | 45 | 83 (stronger) |
| Capital cushion | 57 | 84 (stronger) |
| Loan quality | 0 | 93 (stronger) |
| Earnings | 81 (stronger) | 77 |
| Funding & liquidity | 46 | 65 (stronger) |
| Problem-loan coverage | 50 | 97 (stronger) |
| Peer percentile | 4th | 84th |
| Total assets | $320.6M | $772.4M |
| Deposits / shares | $271.6M | $595.4M |
| Capital ratio | 10.70% | 13.39% (stronger) |
| Problem loans | 3.21% | 0.21% (stronger) |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 1.53% (stronger) | 1.43% |
| Loans ÷ deposits | 100.8% | 82.4% (stronger) |
| Uninsured deposits | 27.2% | 26.7% (stronger) |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 9.1% |
First Central State Bank has the higher TellerScore (83 vs 45). On the 7 directional measures above (where higher or lower is clearly better), First Trust and Savings Bank leads on 1 and First Central State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Eldridge, IA