Side-by-side · Q2 2026 data
Phenix-Girard Bank vs First State Bank of DeKalb County
Metric by metric
| Measure | Phenix-Girard Bank | First State Bank of DeKalb County |
|---|---|---|
| TellerScore | 71 | 86 (stronger) |
| Capital cushion | 68 | 91 (stronger) |
| Loan quality | 83 (stronger) | 72 |
| Earnings | 62 | 100 (stronger) |
| Funding & liquidity | 58 | 79 (stronger) |
| Problem-loan coverage | 92 | 92 |
| Peer percentile | 47th | 90th |
| Total assets | $342.3M | $353.8M |
| Deposits / shares | $323.6M | $299.0M |
| Capital ratio | 11.76% | 14.13% (stronger) |
| Problem loans | 0.51% (stronger) | 0.84% |
| Net charge-offs | 0.05% | 0.02% (stronger) |
| Return on assets | 1.04% | 2.26% (stronger) |
| Loans ÷ deposits | 25.1% (stronger) | 68.6% |
| Uninsured deposits | 53.3% | 26.9% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | — |
First State Bank of DeKalb County has the higher TellerScore (86 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Phenix-Girard Bank leads on 2 and First State Bank of DeKalb County on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.