Side-by-side · Q2 2026 data
The First National Bank of Sparta vs First State Bank of Beecher City
Metric by metric
| Measure | The First National Bank of Sparta | First State Bank of Beecher City |
|---|---|---|
| TellerScore | 84 | 88 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 81 (stronger) | 73 |
| Earnings | 98 | 100 (stronger) |
| Funding & liquidity | 81 (stronger) | 71 |
| Problem-loan coverage | 96 (stronger) | 93 |
| Peer percentile | 86th | 92nd |
| Total assets | $114.6M | $112.2M |
| Deposits / shares | $101.1M | $93.7M |
| Capital ratio | 12.64% | 15.98% (stronger) |
| Problem loans | 0.56% (stronger) | 0.81% |
| Net charge-offs | 0.15% | 0.14% (stronger) |
| Return on assets | 1.95% | 2.72% (stronger) |
| Loans ÷ deposits | 48.7% (stronger) | 87.9% |
| Uninsured deposits | 32.4% | 16.2% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of Beecher City has the higher TellerScore (88 vs 84). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Sparta leads on 2 and First State Bank of Beecher City on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.