Side-by-side · Q2 2026 data
The First National Bank of Tom Bean vs Community State Bank
Metric by metric
| Measure | The First National Bank of Tom Bean | Community State Bank |
|---|---|---|
| TellerScore | 67 | 69 (stronger) |
| Capital cushion | 71 (stronger) | 50 |
| Loan quality | 59 | 100 (stronger) |
| Earnings | 62 (stronger) | 53 |
| Funding & liquidity | 65 (stronger) | 58 |
| Problem-loan coverage | 85 | 100 (stronger) |
| Peer percentile | 34th | 37th |
| Total assets | $155.6M | $89.8M |
| Deposits / shares | $135.7M | $76.3M |
| Capital ratio | 12.15% (stronger) | 9.98% |
| Problem loans | 1.23% | 0.00% (stronger) |
| Net charge-offs | 0.38% | 0.00% (stronger) |
| Return on assets | 1.05% (stronger) | 0.83% |
| Loans ÷ deposits | 93.2% (stronger) | 102.4% |
| Uninsured deposits | 17.2% | 10.8% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community State Bank has the higher TellerScore (69 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Tom Bean leads on 3 and Community State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.