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 | 77 (stronger) |
| Capital cushion | 70 (stronger) | 62 |
| Loan quality | 61 | 100 (stronger) |
| Earnings | 68 (stronger) | 65 |
| Funding & liquidity | 66 | 68 (stronger) |
| Problem-loan coverage | 83 | 100 (stronger) |
| Peer percentile | 37th | 68th |
| Total assets | $311.5M | $328.1M |
| Deposits / shares | $275.5M | $292.6M |
| Capital ratio | 12.03% (stronger) | 11.24% |
| Problem loans | 1.18% | 0.00% (stronger) |
| Net charge-offs | 0.53% | -0.00% (stronger) |
| Return on assets | 1.20% (stronger) | 1.12% |
| Loans ÷ deposits | 94.0% | 80.9% (stronger) |
| Uninsured deposits | 13.7% (stronger) | 25.5% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.8% | 1.5% |
First State Bank has the higher TellerScore (77 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Horatio State Bank leads on 3 and First State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.