Side-by-side · Q2 2026 data
GNB Bank vs First State Bank
Metric by metric
| Measure | GNB Bank | First State Bank |
|---|---|---|
| TellerScore | 76 | 81 (stronger) |
| Capital cushion | 72 | 74 (stronger) |
| Loan quality | 79 | 96 (stronger) |
| Earnings | 87 (stronger) | 75 |
| Funding & liquidity | 51 | 65 (stronger) |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 64th | 80th |
| Total assets | $621.3M | $674.3M |
| Deposits / shares | $498.0M | $572.2M |
| Capital ratio | 12.22% | 12.40% (stronger) |
| Problem loans | 0.62% | 0.12% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.68% (stronger) | 1.38% |
| Loans ÷ deposits | 88.5% | 86.5% (stronger) |
| Uninsured deposits | 34.1% | 22.4% (stronger) |
| Offices | 7 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.1% | — |
First State Bank has the higher TellerScore (81 vs 76). On the 7 directional measures above (where higher or lower is clearly better), GNB Bank leads on 2 and First State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.