Side-by-side · Q2 2026 data
The First National Bank of Raymond vs Chesterfield State Bank
Metric by metric
| Measure | The First National Bank of Raymond | Chesterfield State Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 43 |
| Capital cushion | 59 (stronger) | 32 |
| Loan quality | 86 (stronger) | 0 |
| Earnings | 73 | 95 (stronger) |
| Funding & liquidity | 95 (stronger) | 93 |
| Problem-loan coverage | 95 (stronger) | 0 |
| Peer percentile | 72nd | 6th |
| Total assets | $187.1M | $21.7M |
| Deposits / shares | $172.3M | $19.8M |
| Capital ratio | 10.91% (stronger) | 8.15% |
| Problem loans | 0.42% (stronger) | 11.20% |
| Net charge-offs | -0.10% | -2.00% (stronger) |
| Return on assets | 1.33% | 1.89% (stronger) |
| Loans ÷ deposits | 47.4% (stronger) | 67.3% |
| Uninsured deposits | 19.7% | 4.4% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | — |
The First National Bank of Raymond has the higher TellerScore (78 vs 43). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Raymond leads on 4 and Chesterfield State Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.