Side-by-side · Q2 2026 data
Shamrock Bank, N.A. vs First State Bank
Metric by metric
| Measure | Shamrock Bank, N.A. | First State Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 74 |
| Capital cushion | 58 | 62 (stronger) |
| Loan quality | 90 (stronger) | 89 |
| Earnings | 90 (stronger) | 62 |
| Funding & liquidity | 77 (stronger) | 71 |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 75th | 57th |
| Total assets | $501.5M | $139.6M |
| Deposits / shares | $452.9M | $130.5M |
| Capital ratio | 10.79% | 11.21% (stronger) |
| Problem loans | 0.29% (stronger) | 0.34% |
| Net charge-offs | -0.01% (stronger) | 0.09% |
| Return on assets | 1.76% (stronger) | 1.05% |
| Loans ÷ deposits | 71.3% | 30.6% (stronger) |
| Uninsured deposits | 25.3% (stronger) | 41.4% |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Shamrock Bank, N.A. has the higher TellerScore (79 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Shamrock Bank, N.A. leads on 5 and First State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.