Side-by-side · Q2 2026 data
Adrian Bank vs St. Clair County State Bank
Metric by metric
| Measure | Adrian Bank | St. Clair County State Bank |
|---|---|---|
| TellerScore | 85 | 87 (stronger) |
| Capital cushion | 76 | 85 (stronger) |
| Loan quality | 83 | 92 (stronger) |
| Earnings | 100 (stronger) | 94 |
| Funding & liquidity | 82 (stronger) | 69 |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 88th | 91st |
| Total assets | $195.6M | $231.8M |
| Deposits / shares | $172.7M | $195.7M |
| Capital ratio | 12.56% | 13.51% (stronger) |
| Problem loans | 0.52% | 0.24% (stronger) |
| Net charge-offs | 0.44% | 0.00% (stronger) |
| Return on assets | 2.63% (stronger) | 1.85% |
| Loans ÷ deposits | 76.2% (stronger) | 90.1% |
| Uninsured deposits | 17.0% | 15.8% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
St. Clair County State Bank has the higher TellerScore (87 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Adrian Bank leads on 2 and St. Clair County State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.