Side-by-side · Q2 2026 data
State National Bank vs First State Bank
Metric by metric
| Measure | State National Bank | First State Bank |
|---|---|---|
| TellerScore | 72 | 78 (stronger) |
| Capital cushion | 76 (stronger) | 56 |
| Loan quality | 88 | 88 |
| Earnings | 53 | 85 (stronger) |
| Funding & liquidity | 54 | 81 (stronger) |
| Problem-loan coverage | 86 | 98 (stronger) |
| Peer percentile | 45th | 60th |
| Total assets | $55.1M | $58.2M |
| Deposits / shares | $47.7M | $51.9M |
| Capital ratio | 12.60% (stronger) | 10.64% |
| Problem loans | 0.35% (stronger) | 0.37% |
| Net charge-offs | -0.07% (stronger) | 0.26% |
| Return on assets | 0.83% | 1.62% (stronger) |
| Loans ÷ deposits | 90.3% | 40.3% (stronger) |
| Uninsured deposits | 29.3% (stronger) | 32.5% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (78 vs 72). On the 7 directional measures above (where higher or lower is clearly better), State National Bank leads on 4 and First State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.