Side-by-side · Q2 2026 data
State Bank Financial vs First Citizens State Bank
Metric by metric
| Measure | State Bank Financial | First Citizens State Bank |
|---|---|---|
| TellerScore | 73 | 90 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 96 | 100 (stronger) |
| Earnings | 70 | 94 (stronger) |
| Funding & liquidity | 66 (stronger) | 40 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 53rd | 95th |
| Total assets | $512.1M | $525.2M |
| Deposits / shares | $439.0M | $355.3M |
| Capital ratio | 9.94% | 18.00% (stronger) |
| Problem loans | 0.11% | 0.00% (stronger) |
| Net charge-offs | -0.03% (stronger) | -0.00% |
| Return on assets | 1.25% | 1.85% (stronger) |
| Loans ÷ deposits | 78.5% (stronger) | 109.2% |
| Uninsured deposits | 29.4% | 25.1% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
First Citizens State Bank has the higher TellerScore (90 vs 73). On the 7 directional measures above (where higher or lower is clearly better), State Bank Financial leads on 2 and First Citizens State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.