Side-by-side · Q2 2026 data
Queensborough National Bank & Trust Company vs First State Bank
Bank
Queensborough National Bank & Trust Company
Louisville, Georgia · $1 billion – $10 billion
Metric by metric
| Measure | Queensborough National Bank & Trust Company | First State Bank |
|---|---|---|
| TellerScore | 62 | 77 (stronger) |
| Capital cushion | 36 | 55 (stronger) |
| Loan quality | 80 | 89 (stronger) |
| Earnings | 64 | 93 (stronger) |
| Funding & liquidity | 64 | 67 (stronger) |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 27th | 68th |
| Total assets | $2.3B | $512.7M |
| Deposits / shares | $2.1B | $444.8M |
| Capital ratio | 8.64% | 10.53% (stronger) |
| Problem loans | 0.59% | 0.32% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.09% | 1.84% (stronger) |
| Loans ÷ deposits | 67.6% (stronger) | 93.5% |
| Uninsured deposits | 41.0% | 14.6% (stronger) |
| Offices | 24 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | 0.6% |
First State Bank has the higher TellerScore (77 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Queensborough National Bank & Trust Company leads on 1 and First State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Evans, GA
- Louisville, GA
- Wrens, GA