Side-by-side · Q2 2026 data
The First National Bank of Spearville vs The City State Bank
Metric by metric
| Measure | The First National Bank of Spearville | The City State Bank |
|---|---|---|
| TellerScore | 56 | 77 (stronger) |
| Capital cushion | 68 (stronger) | 39 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 76 | 85 (stronger) |
| Funding & liquidity | 92 (stronger) | 88 |
| Problem-loan coverage | 70 | 100 (stronger) |
| Peer percentile | 15th | 58th |
| Total assets | $62.1M | $57.7M |
| Deposits / shares | $53.6M | $52.7M |
| Capital ratio | 11.80% (stronger) | 8.92% |
| Problem loans | 4.06% | 0.00% (stronger) |
| Net charge-offs | 0.07% | 0.00% (stronger) |
| Return on assets | 1.39% | 1.61% (stronger) |
| Loans ÷ deposits | 58.8% (stronger) | 72.4% |
| Uninsured deposits | 22.1% | 7.8% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The City State Bank has the higher TellerScore (77 vs 56). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Spearville leads on 2 and The City State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.