Side-by-side · Q2 2026 data
Richland State Bank vs First PREMIER Bank
Metric by metric
| Measure | Richland State Bank | First PREMIER Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 85 |
| Capital cushion | 73 | 87 (stronger) |
| Loan quality | 95 | 97 (stronger) |
| Earnings | 100 (stronger) | 92 |
| Funding & liquidity | 97 (stronger) | 42 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 89th | 97th |
| Total assets | $49.6M | $3.6B |
| Deposits / shares | $44.7M | $2.9B |
| Capital ratio | 12.30% | 13.67% (stronger) |
| Problem loans | 0.15% | 0.10% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.19% |
| Return on assets | 2.03% (stronger) | 1.79% |
| Loans ÷ deposits | 42.6% (stronger) | 72.7% |
| Uninsured deposits | 18.0% (stronger) | 56.1% |
| Offices | 1 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.8% |
Richland State Bank has the higher TellerScore (90 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Richland State Bank leads on 5 and First PREMIER Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.