Side-by-side · Q2 2026 data
Herring Bank vs First State Bank and Trust Company
Metric by metric
| Measure | Herring Bank | First State Bank and Trust Company |
|---|---|---|
| TellerScore | 66 (stronger) | 65 |
| Capital cushion | 72 | 90 (stronger) |
| Loan quality | 82 (stronger) | 35 |
| Earnings | 26 | 59 (stronger) |
| Funding & liquidity | 67 (stronger) | 60 |
| Problem-loan coverage | 91 (stronger) | 87 |
| Peer percentile | 31st | 29th |
| Total assets | $540.5M | $547.4M |
| Deposits / shares | $477.0M | $490.6M |
| Capital ratio | 12.20% | 14.00% (stronger) |
| Problem loans | 0.55% (stronger) | 1.96% |
| Net charge-offs | 0.32% | 0.19% (stronger) |
| Return on assets | 0.15% | 0.97% (stronger) |
| Loans ÷ deposits | 76.7% | 36.5% (stronger) |
| Uninsured deposits | 30.5% (stronger) | 51.4% |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.0% | — |
Herring Bank has the higher TellerScore (66 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Herring Bank leads on 3 and First State Bank and Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.