Side-by-side · Q2 2026 data
SouthStar Bank, S.S.B. vs First State Bank
Metric by metric
| Measure | SouthStar Bank, S.S.B. | First State Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 62 |
| Capital cushion | 83 (stronger) | 45 |
| Loan quality | 79 (stronger) | 54 |
| Earnings | 82 | 99 (stronger) |
| Funding & liquidity | 47 | 55 (stronger) |
| Problem-loan coverage | 87 (stronger) | 74 |
| Peer percentile | 83rd | 22nd |
| Total assets | $1.4B | $478.1M |
| Deposits / shares | $1.1B | $429.1M |
| Capital ratio | 13.28% (stronger) | 9.48% |
| Problem loans | 0.62% (stronger) | 1.38% |
| Net charge-offs | 0.07% (stronger) | 0.09% |
| Return on assets | 1.55% | 1.98% (stronger) |
| Loans ÷ deposits | 91.9% | 81.5% (stronger) |
| Uninsured deposits | 34.2% (stronger) | 36.2% |
| Offices | 16 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.5% | 5.3% |
SouthStar Bank, S.S.B. has the higher TellerScore (77 vs 62). On the 7 directional measures above (where higher or lower is clearly better), SouthStar Bank, S.S.B. leads on 5 and First State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.