Side-by-side · Q2 2026 data
The Park National Bank vs First State Bank and Trust Company, Inc.
Bank
First State Bank and Trust Company, Inc.
Caruthersville, Missouri · $100 million – $1 billion
Metric by metric
| Measure | The Park National Bank | First State Bank and Trust Company, Inc. |
|---|---|---|
| TellerScore | 72 (stronger) | 56 |
| Capital cushion | 53 | 76 (stronger) |
| Loan quality | 71 (stronger) | 0 |
| Earnings | 100 (stronger) | 94 |
| Funding & liquidity | 63 | 69 (stronger) |
| Problem-loan coverage | 88 (stronger) | 42 |
| Peer percentile | 79th | 13th |
| Total assets | $12.6B | $659.0M |
| Deposits / shares | $10.8B | $558.7M |
| Capital ratio | 10.33% | 12.57% (stronger) |
| Problem loans | 0.86% (stronger) | 4.76% |
| Net charge-offs | 0.11% (stronger) | 0.22% |
| Return on assets | 1.99% (stronger) | 1.85% |
| Loans ÷ deposits | 89.2% | 86.1% (stronger) |
| Uninsured deposits | 22.3% | 19.5% (stronger) |
| Offices | 104 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.0% | — |
The Park National Bank has the higher TellerScore (72 vs 56). On the 7 directional measures above (where higher or lower is clearly better), The Park National Bank leads on 4 and First State Bank and Trust Company, Inc. 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.