Side-by-side · Q2 2026 data
Isabella Bank vs First State Bank
Metric by metric
| Measure | Isabella Bank | First State Bank |
|---|---|---|
| TellerScore | 62 | 63 (stronger) |
| Capital cushion | 39 | 50 (stronger) |
| Loan quality | 84 (stronger) | 73 |
| Earnings | 64 | 69 (stronger) |
| Funding & liquidity | 51 (stronger) | 50 |
| Problem-loan coverage | 92 (stronger) | 88 |
| Peer percentile | 27th | 30th |
| Total assets | $2.2B | $1.3B |
| Deposits / shares | $1.8B | $1.2B |
| Capital ratio | 8.93% | 10.01% (stronger) |
| Problem loans | 0.49% (stronger) | 0.81% |
| Net charge-offs | 0.08% (stronger) | 0.13% |
| Return on assets | 1.10% | 1.24% (stronger) |
| Loans ÷ deposits | 85.4% (stronger) | 85.8% |
| Uninsured deposits | 36.5% (stronger) | 36.8% |
| Offices | 27 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.4% | 4.6% |
First State Bank has the higher TellerScore (63 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Isabella Bank leads on 4 and First State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.