Side-by-side · Q2 2026 data
State Central Bank vs First State Bank
Metric by metric
| Measure | State Central Bank | First State Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 79 |
| Capital cushion | 100 (stronger) | 57 |
| Loan quality | 63 | 100 (stronger) |
| Earnings | 83 | 85 (stronger) |
| Funding & liquidity | 83 (stronger) | 67 |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 76th | 63rd |
| Total assets | $63.2M | $72.5M |
| Deposits / shares | $50.6M | $61.7M |
| Capital ratio | 16.11% (stronger) | 10.71% |
| Problem loans | 1.11% | 0.00% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.57% | 1.62% (stronger) |
| Loans ÷ deposits | 71.7% (stronger) | 89.5% |
| Uninsured deposits | 20.4% | 18.3% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Central Bank has the higher TellerScore (84 vs 79). On the 7 directional measures above (where higher or lower is clearly better), State Central Bank leads on 3 and First State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.