Side-by-side · Q2 2026 data
Horatio State Bank vs First State Bank
Metric by metric
| Measure | Horatio State Bank | First State Bank |
|---|---|---|
| TellerScore | 68 | 79 (stronger) |
| Capital cushion | 70 (stronger) | 59 |
| Loan quality | 61 | 86 (stronger) |
| Earnings | 68 | 88 (stronger) |
| Funding & liquidity | 66 | 82 (stronger) |
| Problem-loan coverage | 83 | 95 (stronger) |
| Peer percentile | 37th | 75th |
| Total assets | $311.5M | $100.3M |
| Deposits / shares | $275.5M | $88.9M |
| Capital ratio | 12.03% (stronger) | 10.91% |
| Problem loans | 1.18% | 0.43% (stronger) |
| Net charge-offs | 0.53% | 0.09% (stronger) |
| Return on assets | 1.20% | 1.71% (stronger) |
| Loans ÷ deposits | 94.0% | 73.9% (stronger) |
| Uninsured deposits | 13.7% (stronger) | 18.9% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.8% | — |
First State Bank has the higher TellerScore (79 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Horatio State Bank leads on 2 and First State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.