Side-by-side · Q2 2026 data
The Peoples Bank vs First State Bank and Trust
Metric by metric
| Measure | The Peoples Bank | First State Bank and Trust |
|---|---|---|
| TellerScore | 75 (stronger) | 66 |
| Capital cushion | 43 (stronger) | 36 |
| Loan quality | 88 (stronger) | 84 |
| Earnings | 100 (stronger) | 67 |
| Funding & liquidity | 82 | 82 |
| Problem-loan coverage | 75 | 84 (stronger) |
| Peer percentile | 61st | 31st |
| Total assets | $531.1M | $514.9M |
| Deposits / shares | $486.6M | $457.6M |
| Capital ratio | 9.29% (stronger) | 8.64% |
| Problem loans | 0.37% (stronger) | 0.48% |
| Net charge-offs | 0.00% (stronger) | 0.44% |
| Return on assets | 3.00% (stronger) | 1.18% |
| Loans ÷ deposits | 53.9% (stronger) | 72.7% |
| Uninsured deposits | 31.8% | 20.3% (stronger) |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.6% |
The Peoples Bank has the higher TellerScore (75 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The Peoples 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.