Side-by-side · Q2 2026 data
Southern Michigan Bank & Trust vs First State Bank
Metric by metric
| Measure | Southern Michigan Bank & Trust | First State Bank |
|---|---|---|
| TellerScore | 56 | 63 (stronger) |
| Capital cushion | 40 | 50 (stronger) |
| Loan quality | 69 | 73 (stronger) |
| Earnings | 54 | 69 (stronger) |
| Funding & liquidity | 50 | 50 |
| Problem-loan coverage | 84 | 88 (stronger) |
| Peer percentile | 15th | 30th |
| Total assets | $1.7B | $1.3B |
| Deposits / shares | $1.4B | $1.2B |
| Capital ratio | 9.04% | 10.01% (stronger) |
| Problem loans | 0.92% | 0.81% (stronger) |
| Net charge-offs | 0.13% | 0.13% (stronger) |
| Return on assets | 0.85% | 1.24% (stronger) |
| Loans ÷ deposits | 89.9% | 85.8% (stronger) |
| Uninsured deposits | 33.6% (stronger) | 36.8% |
| Offices | 17 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.3% | 4.6% |
First State Bank has the higher TellerScore (63 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Southern Michigan Bank & Trust leads on 1 and First State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.