Side-by-side · Q2 2026 data
Peoples State Bank vs First State Bank
Metric by metric
| Measure | Peoples State Bank | First State Bank |
|---|---|---|
| TellerScore | 68 | 78 (stronger) |
| Capital cushion | 57 | 91 (stronger) |
| Loan quality | 58 (stronger) | 37 |
| Earnings | 74 | 100 (stronger) |
| Funding & liquidity | 84 | 85 (stronger) |
| Problem-loan coverage | 85 | 90 (stronger) |
| Peer percentile | 37th | 72nd |
| Total assets | $181.2M | $174.3M |
| Deposits / shares | $149.7M | $148.1M |
| Capital ratio | 10.66% | 14.14% (stronger) |
| Problem loans | 1.25% (stronger) | 1.90% |
| Net charge-offs | 0.00% (stronger) | 1.04% |
| Return on assets | 1.36% | 2.06% (stronger) |
| Loans ÷ deposits | 67.4% | 38.8% (stronger) |
| Uninsured deposits | 22.8% (stronger) | 28.8% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (78 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Peoples State Bank leads on 3 and First State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.