Side-by-side · Q2 2026 data
I3 Bank vs First State Bank
Metric by metric
| Measure | I3 Bank | First State Bank |
|---|---|---|
| TellerScore | 63 | 84 (stronger) |
| Capital cushion | 38 | 68 (stronger) |
| Loan quality | 89 | 100 (stronger) |
| Earnings | 57 | 100 (stronger) |
| Funding & liquidity | 59 | 60 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 24th | 86th |
| Total assets | $225.5M | $232.5M |
| Deposits / shares | $195.8M | $195.7M |
| Capital ratio | 8.80% | 11.76% (stronger) |
| Problem loans | 0.33% | 0.01% (stronger) |
| Net charge-offs | 0.72% | 0.00% (stronger) |
| Return on assets | 0.92% | 2.57% (stronger) |
| Loans ÷ deposits | 86.2% (stronger) | 89.2% |
| Uninsured deposits | 29.0% | 25.0% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
First State Bank has the higher TellerScore (84 vs 63). On the 7 directional measures above (where higher or lower is clearly better), I3 Bank leads on 1 and First State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.