Side-by-side · Q2 2026 data
Southwest National Bank vs First State Bank and Trust
Metric by metric
| Measure | Southwest National Bank | First State Bank and Trust |
|---|---|---|
| TellerScore | 70 (stronger) | 66 |
| Capital cushion | 53 (stronger) | 36 |
| Loan quality | 97 (stronger) | 84 |
| Earnings | 65 | 67 (stronger) |
| Funding & liquidity | 48 | 82 (stronger) |
| Problem-loan coverage | 99 (stronger) | 84 |
| Peer percentile | 43rd | 31st |
| Total assets | $502.1M | $514.9M |
| Deposits / shares | $403.8M | $457.6M |
| Capital ratio | 10.32% (stronger) | 8.64% |
| Problem loans | 0.08% (stronger) | 0.48% |
| Net charge-offs | 0.28% (stronger) | 0.44% |
| Return on assets | 1.13% | 1.18% (stronger) |
| Loans ÷ deposits | 106.5% | 72.7% (stronger) |
| Uninsured deposits | 20.4% | 20.3% (stronger) |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 17.6% |
Southwest National Bank has the higher TellerScore (70 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Southwest National Bank leads on 4 and First State Bank and Trust on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.