Side-by-side · Q2 2026 data
Fowler State Bank vs Community State Bank
Metric by metric
| Measure | Fowler State Bank | Community State Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 55 |
| Loan quality | 80 | 88 (stronger) |
| Earnings | 68 (stronger) | 45 |
| Funding & liquidity | 48 | 89 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 77th | 43rd |
| Total assets | $190.3M | $175.9M |
| Deposits / shares | $149.3M | $160.6M |
| Capital ratio | 15.51% (stronger) | 10.48% |
| Problem loans | 0.61% | 0.37% (stronger) |
| Net charge-offs | 0.65% | 0.36% (stronger) |
| Return on assets | 1.19% (stronger) | 0.62% |
| Loans ÷ deposits | 85.0% | 59.0% (stronger) |
| Uninsured deposits | 39.8% | 25.4% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Fowler State Bank has the higher TellerScore (80 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Fowler State Bank leads on 3 and Community State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.