Side-by-side · Q2 2026 data
The First State Bank vs First United Bank
Metric by metric
| Measure | The First State Bank | First United Bank |
|---|---|---|
| TellerScore | 68 | 77 (stronger) |
| Capital cushion | 85 (stronger) | 62 |
| Loan quality | 29 | 86 (stronger) |
| Earnings | 88 | 100 (stronger) |
| Funding & liquidity | 63 (stronger) | 51 |
| Problem-loan coverage | 78 | 95 (stronger) |
| Peer percentile | 37th | 83rd |
| Total assets | $121.4M | $2.4B |
| Deposits / shares | $96.4M | $2.1B |
| Capital ratio | 13.46% (stronger) | 11.17% |
| Problem loans | 2.13% | 0.41% (stronger) |
| Net charge-offs | -0.06% (stronger) | 0.10% |
| Return on assets | 1.70% | 2.03% (stronger) |
| Loans ÷ deposits | 90.4% | 69.8% (stronger) |
| Uninsured deposits | 21.0% (stronger) | 50.2% |
| Offices | 3 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.9% |
First United Bank has the higher TellerScore (77 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The First State Bank leads on 3 and First United Bank on 4. 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.
Where both have branches
- Abernathy, TX
- Haskell, TX