Side-by-side · Q2 2026 data
State Savings Bank vs First Community Bank
Metric by metric
| Measure | State Savings Bank | First Community Bank |
|---|---|---|
| TellerScore | 61 | 77 (stronger) |
| Capital cushion | 38 | 49 (stronger) |
| Loan quality | 93 | 100 (stronger) |
| Earnings | 34 | 96 (stronger) |
| Funding & liquidity | 67 (stronger) | 53 |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 20th | 68th |
| Total assets | $431.2M | $413.6M |
| Deposits / shares | $391.6M | $358.3M |
| Capital ratio | 8.79% | 9.93% (stronger) |
| Problem loans | 0.20% | 0.00% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 0.35% | 1.91% (stronger) |
| Loans ÷ deposits | 82.6% (stronger) | 93.6% |
| Uninsured deposits | 24.9% (stronger) | 27.7% |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | 11.5% |
First Community Bank has the higher TellerScore (77 vs 61). On the 7 directional measures above (where higher or lower is clearly better), State Savings Bank leads on 3 and First Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.