Side-by-side · Q2 2026 data
The Community State Bank vs Arkansas Best Federal Credit Union
Credit union
Arkansas Best Federal Credit Union
Fort Smith, Arkansas · $100 million – $1 billion
Metric by metric
| Measure | The Community State Bank | Arkansas Best Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 84 (stronger) |
| Capital cushion | 41 | 100 (stronger) |
| Loan quality | 91 (stronger) | 79 |
| Earnings | 54 (stronger) | 50 |
| Funding & liquidity | 71 | 100 (stronger) |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 31st | 86th |
| Total assets | $393.1M | $144.0M |
| Deposits / shares | $363.3M | $120.4M |
| Capital ratio | 9.05% | 16.32% (stronger) |
| Problem loans | 0.26% (stronger) | 0.62% |
| Net charge-offs | 0.11% (stronger) | 0.57% |
| Return on assets | 0.84% (stronger) | 0.75% |
| Loans ÷ deposits | 79.3% | 47.1% (stronger) |
| Uninsured deposits | 23.8% | 2.9% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Arkansas Best Federal Credit Union has the higher TellerScore (84 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The Community State Bank leads on 3 and Arkansas Best Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.