Side-by-side · Q2 2026 data
TruCommunity Bank vs First State Bank
Metric by metric
| Measure | TruCommunity Bank | First State Bank |
|---|---|---|
| TellerScore | 58 | 75 (stronger) |
| Capital cushion | 61 (stronger) | 48 |
| Loan quality | 27 | 100 (stronger) |
| Earnings | 76 | 100 (stronger) |
| Funding & liquidity | 71 (stronger) | 40 |
| Problem-loan coverage | 73 | 100 (stronger) |
| Peer percentile | 16th | 61st |
| Total assets | $338.2M | $424.2M |
| Deposits / shares | $282.3M | $371.9M |
| Capital ratio | 11.06% (stronger) | 9.83% |
| Problem loans | 2.18% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.14% |
| Return on assets | 1.41% | 2.08% (stronger) |
| Loans ÷ deposits | 77.5% (stronger) | 104.4% |
| Uninsured deposits | 25.8% (stronger) | 28.8% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
First State Bank has the higher TellerScore (75 vs 58). On the 7 directional measures above (where higher or lower is clearly better), TruCommunity Bank leads on 4 and First State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.