Side-by-side · Q2 2026 data
Raccoon Valley Bank vs First State Bank
Metric by metric
| Measure | Raccoon Valley Bank | First State Bank |
|---|---|---|
| TellerScore | 66 | 82 (stronger) |
| Capital cushion | 46 | 69 (stronger) |
| Loan quality | 75 | 99 (stronger) |
| Earnings | 85 (stronger) | 66 |
| Funding & liquidity | 50 | 92 (stronger) |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 31st | 82nd |
| Total assets | $486.0M | $129.7M |
| Deposits / shares | $430.2M | $114.0M |
| Capital ratio | 9.57% | 11.95% (stronger) |
| Problem loans | 0.74% | 0.03% (stronger) |
| Net charge-offs | -0.27% (stronger) | -0.01% |
| Return on assets | 1.62% (stronger) | 1.15% |
| Loans ÷ deposits | 87.6% | 47.5% (stronger) |
| Uninsured deposits | 35.8% | 22.6% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (82 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Raccoon Valley Bank leads on 2 and First State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.