Side-by-side · Q2 2026 data
Pocahontas State Bank vs First State Bank
Metric by metric
| Measure | Pocahontas State Bank | First State Bank |
|---|---|---|
| TellerScore | 71 | 82 (stronger) |
| Capital cushion | 100 (stronger) | 69 |
| Loan quality | 36 | 99 (stronger) |
| Earnings | 40 | 66 (stronger) |
| Funding & liquidity | 98 (stronger) | 92 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 47th | 82nd |
| Total assets | $122.6M | $129.7M |
| Deposits / shares | $83.1M | $114.0M |
| Capital ratio | 26.35% (stronger) | 11.95% |
| Problem loans | 1.93% | 0.03% (stronger) |
| Net charge-offs | 0.17% | -0.01% (stronger) |
| Return on assets | 0.50% | 1.15% (stronger) |
| Loans ÷ deposits | 52.7% | 47.5% (stronger) |
| Uninsured deposits | 17.0% (stronger) | 22.6% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (82 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Pocahontas State Bank leads on 2 and First State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.