Side-by-side · Q2 2026 data
Adams County Bank vs South Central State Bank
Metric by metric
| Measure | Adams County Bank | South Central State Bank |
|---|---|---|
| TellerScore | 83 | 96 (stronger) |
| Capital cushion | 68 | 100 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 95 | 100 (stronger) |
| Funding & liquidity | 55 | 71 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 84th | 99th |
| Total assets | $241.1M | $192.1M |
| Deposits / shares | $154.6M | $153.6M |
| Capital ratio | 11.82% | 15.15% (stronger) |
| Problem loans | 0.00% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.16% |
| Return on assets | 1.86% | 2.40% (stronger) |
| Loans ÷ deposits | 99.2% | 84.8% (stronger) |
| Uninsured deposits | 20.6% | 18.9% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
South Central State Bank has the higher TellerScore (96 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Adams County Bank leads on 1 and South Central State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.