Side-by-side · Q2 2026 data
Wood & Huston Bank vs First State Community Bank
Metric by metric
| Measure | Wood & Huston Bank | First State Community Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 73 |
| Capital cushion | 66 | 67 (stronger) |
| Loan quality | 95 (stronger) | 64 |
| Earnings | 100 (stronger) | 93 |
| Funding & liquidity | 55 | 61 (stronger) |
| Problem-loan coverage | 97 (stronger) | 87 |
| Peer percentile | 93rd | 70th |
| Total assets | $1.2B | $4.5B |
| Deposits / shares | $1.1B | $3.8B |
| Capital ratio | 11.55% | 11.68% (stronger) |
| Problem loans | 0.14% (stronger) | 1.07% |
| Net charge-offs | 0.06% (stronger) | 0.12% |
| Return on assets | 2.08% (stronger) | 1.82% |
| Loans ÷ deposits | 90.9% | 90.4% (stronger) |
| Uninsured deposits | 27.9% | 23.0% (stronger) |
| Offices | 11 | 48 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.4% | 15.4% |
Wood & Huston Bank has the higher TellerScore (82 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Wood & Huston Bank leads on 4 and First State Community Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.