Side-by-side · Q2 2026 data
The First State Bank vs First State Bank and Trust
Metric by metric
| Measure | The First State Bank | First State Bank and Trust |
|---|---|---|
| TellerScore | 90 (stronger) | 66 |
| Capital cushion | 81 (stronger) | 36 |
| Loan quality | 97 (stronger) | 84 |
| Earnings | 94 (stronger) | 67 |
| Funding & liquidity | 83 (stronger) | 82 |
| Problem-loan coverage | 99 (stronger) | 84 |
| Peer percentile | 95th | 31st |
| Total assets | $493.2M | $514.9M |
| Deposits / shares | $406.6M | $457.6M |
| Capital ratio | 13.05% (stronger) | 8.64% |
| Problem loans | 0.10% (stronger) | 0.48% |
| Net charge-offs | 0.14% (stronger) | 0.44% |
| Return on assets | 1.85% (stronger) | 1.18% |
| Loans ÷ deposits | 68.5% (stronger) | 72.7% |
| Uninsured deposits | 23.1% | 20.3% (stronger) |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.6% |
The First State Bank has the higher TellerScore (90 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The First State Bank leads on 6 and First State Bank and Trust on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.