Side-by-side · Q2 2026 data
The Harvard State Bank vs First State Bank of Forrest
Metric by metric
| Measure | The Harvard State Bank | First State Bank of Forrest |
|---|---|---|
| TellerScore | 70 (stronger) | 49 |
| Capital cushion | 38 | 41 (stronger) |
| Loan quality | 91 (stronger) | 39 |
| Earnings | 65 (stronger) | 52 |
| Funding & liquidity | 85 (stronger) | 63 |
| Problem-loan coverage | 97 (stronger) | 68 |
| Peer percentile | 43rd | 6th |
| Total assets | $331.5M | $328.3M |
| Deposits / shares | $294.0M | $280.3M |
| Capital ratio | 8.79% | 9.06% (stronger) |
| Problem loans | 0.26% (stronger) | 1.83% |
| Net charge-offs | 0.00% (stronger) | 0.45% |
| Return on assets | 1.13% (stronger) | 0.81% |
| Loans ÷ deposits | 65.0% (stronger) | 97.6% |
| Uninsured deposits | 24.6% | 12.2% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.4% | 6.1% |
The Harvard State Bank has the higher TellerScore (70 vs 49). On the 7 directional measures above (where higher or lower is clearly better), The Harvard State Bank leads on 5 and First State Bank of Forrest on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.