Side-by-side · Q2 2026 data
The First National Bank of Tom Bean vs First State Bank
Metric by metric
| Measure | The First National Bank of Tom Bean | First State Bank |
|---|---|---|
| TellerScore | 67 | 84 (stronger) |
| Capital cushion | 71 | 100 (stronger) |
| Loan quality | 59 | 92 (stronger) |
| Earnings | 62 | 73 (stronger) |
| Funding & liquidity | 65 (stronger) | 47 |
| Problem-loan coverage | 85 | 98 (stronger) |
| Peer percentile | 34th | 86th |
| Total assets | $155.6M | $150.8M |
| Deposits / shares | $135.7M | $122.9M |
| Capital ratio | 12.15% | 15.90% (stronger) |
| Problem loans | 1.23% | 0.23% (stronger) |
| Net charge-offs | 0.38% | 0.19% (stronger) |
| Return on assets | 1.05% | 1.32% (stronger) |
| Loans ÷ deposits | 93.2% | 86.0% (stronger) |
| Uninsured deposits | 17.2% (stronger) | 39.8% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (84 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Tom Bean leads on 1 and First State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.