Side-by-side · Q2 2026 data
Monument Bank vs First State Bank
Metric by metric
| Measure | Monument Bank | First State Bank |
|---|---|---|
| TellerScore | 76 | 79 (stronger) |
| Capital cushion | 49 | 59 (stronger) |
| Loan quality | 91 (stronger) | 86 |
| Earnings | 90 (stronger) | 88 |
| Funding & liquidity | 72 | 82 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 64th | 75th |
| Total assets | $112.8M | $100.3M |
| Deposits / shares | $91.7M | $88.9M |
| Capital ratio | 9.89% | 10.91% (stronger) |
| Problem loans | 0.27% (stronger) | 0.43% |
| Net charge-offs | -0.06% (stronger) | 0.09% |
| Return on assets | 1.74% (stronger) | 1.71% |
| Loans ÷ deposits | 88.7% | 73.9% (stronger) |
| Uninsured deposits | 12.6% (stronger) | 18.9% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (79 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Monument Bank leads on 4 and First State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.