Side-by-side · Q2 2026 data
The First State Bank vs Spectra Bank
Metric by metric
| Measure | The First State Bank | Spectra Bank |
|---|---|---|
| TellerScore | 68 (stronger) | 59 |
| Capital cushion | 85 (stronger) | 29 |
| Loan quality | 29 | 100 (stronger) |
| Earnings | 88 (stronger) | 28 |
| Funding & liquidity | 63 | 66 (stronger) |
| Problem-loan coverage | 78 | 100 (stronger) |
| Peer percentile | 37th | 17th |
| Total assets | $121.4M | $126.7M |
| Deposits / shares | $96.4M | $110.8M |
| Capital ratio | 13.46% (stronger) | 7.88% |
| Problem loans | 2.13% | 0.00% (stronger) |
| Net charge-offs | -0.06% (stronger) | 0.25% |
| Return on assets | 1.70% (stronger) | 0.20% |
| Loans ÷ deposits | 90.4% | 77.9% (stronger) |
| Uninsured deposits | 21.0% (stronger) | 29.8% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First State Bank has the higher TellerScore (68 vs 59). On the 7 directional measures above (where higher or lower is clearly better), The First State Bank leads on 5 and Spectra Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.