Side-by-side · Q2 2026 data
Independence State Bank vs Community First Bank
Metric by metric
| Measure | Independence State Bank | Community First Bank |
|---|---|---|
| TellerScore | 75 | 75 |
| Capital cushion | 54 | 60 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 68 (stronger) | 48 |
| Funding & liquidity | 71 | 84 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 54th | 54th |
| Total assets | $84.2M | $97.6M |
| Deposits / shares | $72.2M | $84.7M |
| Capital ratio | 10.38% | 11.02% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.20% (stronger) | 0.70% |
| Loans ÷ deposits | 89.7% | 74.0% (stronger) |
| Uninsured deposits | 14.9% (stronger) | 17.1% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 5 directional measures above (where higher or lower is clearly better), Independence State Bank leads on 3 and Community First Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.