Side-by-side · Q2 2026 data
The First State Bank vs Harmony Bank
Metric by metric
| Measure | The First State Bank | Harmony Bank |
|---|---|---|
| TellerScore | 61 | 75 (stronger) |
| Capital cushion | 56 | 69 (stronger) |
| Loan quality | 28 | 99 (stronger) |
| Earnings | 100 (stronger) | 66 |
| Funding & liquidity | 66 (stronger) | 43 |
| Problem-loan coverage | 68 | 100 (stronger) |
| Peer percentile | 20th | 61st |
| Total assets | $895.2M | $855.3M |
| Deposits / shares | $806.8M | $707.7M |
| Capital ratio | 10.58% | 11.90% (stronger) |
| Problem loans | 2.16% | 0.02% (stronger) |
| Net charge-offs | 0.12% (stronger) | 0.52% |
| Return on assets | 2.44% (stronger) | 1.16% |
| Loans ÷ deposits | 79.8% (stronger) | 88.0% |
| Uninsured deposits | 28.1% (stronger) | 41.4% |
| Offices | 14 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.0% |
Harmony Bank has the higher TellerScore (75 vs 61). On the 7 directional measures above (where higher or lower is clearly better), The First State Bank leads on 4 and Harmony Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.