Side-by-side · Q2 2026 data
New Century Bank vs The First State Bank
Metric by metric
| Measure | New Century Bank | The First State Bank |
|---|---|---|
| TellerScore | 79 | 92 (stronger) |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 71 | 100 (stronger) |
| Earnings | 100 (stronger) | 71 |
| Funding & liquidity | 52 | 82 (stronger) |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 63rd | 92nd |
| Total assets | $88.9M | $84.3M |
| Deposits / shares | $71.6M | $74.1M |
| Capital ratio | 13.16% | 15.27% (stronger) |
| Problem loans | 0.87% | 0.00% (stronger) |
| Net charge-offs | -0.15% (stronger) | 0.02% |
| Return on assets | 2.20% (stronger) | 1.26% |
| Loans ÷ deposits | 108.2% | 49.5% (stronger) |
| Uninsured deposits | 11.0% (stronger) | 31.5% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
The First State Bank has the higher TellerScore (92 vs 79). On the 7 directional measures above (where higher or lower is clearly better), New Century Bank leads on 3 and The First State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.