Side-by-side · Q2 2026 data
MCBank vs First State Bank
Metric by metric
| Measure | MCBank | First State Bank |
|---|---|---|
| TellerScore | 55 | 62 (stronger) |
| Capital cushion | 50 (stronger) | 45 |
| Loan quality | 14 | 54 (stronger) |
| Earnings | 74 | 99 (stronger) |
| Funding & liquidity | 99 (stronger) | 55 |
| Problem-loan coverage | 73 | 74 (stronger) |
| Peer percentile | 11th | 22nd |
| Total assets | $467.2M | $478.1M |
| Deposits / shares | $429.6M | $429.1M |
| Capital ratio | 10.01% (stronger) | 9.48% |
| Problem loans | 2.57% | 1.38% (stronger) |
| Net charge-offs | 0.09% (stronger) | 0.09% |
| Return on assets | 1.35% | 1.98% (stronger) |
| Loans ÷ deposits | 46.8% (stronger) | 81.5% |
| Uninsured deposits | 16.1% (stronger) | 36.2% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.3% |
First State Bank has the higher TellerScore (62 vs 55). On the 7 directional measures above (where higher or lower is clearly better), MCBank leads on 4 and First State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.