Side-by-side · Q2 2026 data
Peoples Bank and Trust Company vs First State Bank
Metric by metric
| Measure | Peoples Bank and Trust Company | First State Bank |
|---|---|---|
| TellerScore | 39 | 67 (stronger) |
| Capital cushion | 94 (stronger) | 63 |
| Loan quality | 0 | 75 (stronger) |
| Earnings | 0 | 46 (stronger) |
| Funding & liquidity | 61 | 68 (stronger) |
| Problem-loan coverage | 12 | 95 (stronger) |
| Peer percentile | 3rd | 30th |
| Total assets | $61.9M | $61.5M |
| Deposits / shares | $49.2M | $56.8M |
| Capital ratio | 14.36% (stronger) | 11.34% |
| Problem loans | 10.85% | 0.76% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | -1.32% | 0.64% (stronger) |
| Loans ÷ deposits | 86.7% | 30.3% (stronger) |
| Uninsured deposits | 26.3% (stronger) | 44.1% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (67 vs 39). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank and Trust Company leads on 3 and First State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.