Side-by-side · Q2 2026 data
KodaBank vs First State Bank
Metric by metric
| Measure | KodaBank | First State Bank |
|---|---|---|
| TellerScore | 75 | 75 |
| Capital cushion | 53 (stronger) | 48 |
| Loan quality | 90 | 100 (stronger) |
| Earnings | 87 | 100 (stronger) |
| Funding & liquidity | 63 (stronger) | 40 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 61st | 61st |
| Total assets | $559.8M | $424.2M |
| Deposits / shares | $483.0M | $371.9M |
| Capital ratio | 10.28% (stronger) | 9.83% |
| Problem loans | 0.30% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.14% |
| Return on assets | 1.69% | 2.08% (stronger) |
| Loans ÷ deposits | 88.2% (stronger) | 104.4% |
| Uninsured deposits | 23.6% (stronger) | 28.8% |
| Offices | 12 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 0.0% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), KodaBank leads on 4 and First State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.