Side-by-side · Q2 2026 data
The First State Bank of Malta vs Independence Bank
Metric by metric
| Measure | The First State Bank of Malta | Independence Bank |
|---|---|---|
| TellerScore | 70 | 84 (stronger) |
| Capital cushion | 94 (stronger) | 84 |
| Loan quality | 27 | 85 (stronger) |
| Earnings | 61 | 97 (stronger) |
| Funding & liquidity | 94 (stronger) | 55 |
| Problem-loan coverage | 88 | 94 (stronger) |
| Peer percentile | 43rd | 95th |
| Total assets | $189.7M | $1.4B |
| Deposits / shares | $164.9M | $1.2B |
| Capital ratio | 14.36% (stronger) | 13.39% |
| Problem loans | 2.20% | 0.46% (stronger) |
| Net charge-offs | -0.10% (stronger) | -0.00% |
| Return on assets | 1.03% | 1.93% (stronger) |
| Loans ÷ deposits | 40.6% (stronger) | 91.1% |
| Uninsured deposits | 20.6% (stronger) | 28.2% |
| Offices | 1 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.9% |
Independence Bank has the higher TellerScore (84 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The First State Bank of Malta leads on 4 and Independence Bank on 3. 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
- Malta, MT