Side-by-side · Q2 2026 data
Peoples Bank and Trust Company vs First State Bank in Temple
Metric by metric
| Measure | Peoples Bank and Trust Company | First State Bank in Temple |
|---|---|---|
| TellerScore | 39 | 64 (stronger) |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 0 | 0 |
| Earnings | 0 | 62 (stronger) |
| Funding & liquidity | 61 | 100 (stronger) |
| Problem-loan coverage | 12 | 66 (stronger) |
| Peer percentile | 3rd | 24th |
| Total assets | $61.9M | $26.4M |
| Deposits / shares | $49.2M | $21.5M |
| Capital ratio | 14.36% | 22.19% (stronger) |
| Problem loans | 10.85% | 8.60% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | -1.32% | 1.06% (stronger) |
| Loans ÷ deposits | 86.7% | 45.2% (stronger) |
| Uninsured deposits | 26.3% | 14.3% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank in Temple has the higher TellerScore (64 vs 39). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank and Trust Company leads on 1 and First State Bank in Temple on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.