Side-by-side · Q2 2026 data
Southwest National Bank vs The First State Bank
Metric by metric
| Measure | Southwest National Bank | The First State Bank |
|---|---|---|
| TellerScore | 70 | 90 (stronger) |
| Capital cushion | 53 | 81 (stronger) |
| Loan quality | 97 | 97 |
| Earnings | 65 | 94 (stronger) |
| Funding & liquidity | 48 | 83 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 43rd | 95th |
| Total assets | $502.1M | $493.2M |
| Deposits / shares | $403.8M | $406.6M |
| Capital ratio | 10.32% | 13.05% (stronger) |
| Problem loans | 0.08% (stronger) | 0.10% |
| Net charge-offs | 0.28% | 0.14% (stronger) |
| Return on assets | 1.13% | 1.85% (stronger) |
| Loans ÷ deposits | 106.5% | 68.5% (stronger) |
| Uninsured deposits | 20.4% (stronger) | 23.1% |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
The First State Bank has the higher TellerScore (90 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Southwest National Bank leads on 2 and The First State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.