Side-by-side · Q2 2026 data
KodaBank vs First State Bank & Trust
Metric by metric
| Measure | KodaBank | First State Bank & Trust |
|---|---|---|
| TellerScore | 75 | 94 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 90 | 100 (stronger) |
| Earnings | 87 | 91 (stronger) |
| Funding & liquidity | 63 | 73 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 61st | 98th |
| Total assets | $559.8M | $542.6M |
| Deposits / shares | $483.0M | $466.0M |
| Capital ratio | 10.28% | 15.38% (stronger) |
| Problem loans | 0.30% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.06% |
| Return on assets | 1.69% | 1.76% (stronger) |
| Loans ÷ deposits | 88.2% | 44.7% (stronger) |
| Uninsured deposits | 23.6% (stronger) | 39.6% |
| Offices | 12 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
First State Bank & Trust has the higher TellerScore (94 vs 75). On the 7 directional measures above (where higher or lower is clearly better), KodaBank leads on 2 and First State Bank & Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.