Side-by-side · Q2 2026 data
SNB Bank, National Association vs First State Bank
Metric by metric
| Measure | SNB Bank, National Association | First State Bank |
|---|---|---|
| TellerScore | 36 | 74 (stronger) |
| Capital cushion | 68 (stronger) | 62 |
| Loan quality | 0 | 89 (stronger) |
| Earnings | 20 | 62 (stronger) |
| Funding & liquidity | 79 (stronger) | 71 |
| Problem-loan coverage | 1 | 97 (stronger) |
| Peer percentile | 1st | 57th |
| Total assets | $129.4M | $139.6M |
| Deposits / shares | $111.3M | $130.5M |
| Capital ratio | 11.80% (stronger) | 11.21% |
| Problem loans | 6.18% | 0.34% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.09% |
| Return on assets | 0.01% | 1.05% (stronger) |
| Loans ÷ deposits | 81.2% | 30.6% (stronger) |
| Uninsured deposits | 7.8% (stronger) | 41.4% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (74 vs 36). On the 7 directional measures above (where higher or lower is clearly better), SNB Bank, National Association leads on 3 and First State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.