Side-by-side · Q2 2026 data
Bank of Grandin vs St. Clair County State Bank
Metric by metric
| Measure | Bank of Grandin | St. Clair County State Bank |
|---|---|---|
| TellerScore | 64 | 87 (stronger) |
| Capital cushion | 97 (stronger) | 85 |
| Loan quality | 4 | 92 (stronger) |
| Earnings | 92 | 94 (stronger) |
| Funding & liquidity | 56 | 69 (stronger) |
| Problem-loan coverage | 73 | 97 (stronger) |
| Peer percentile | 26th | 91st |
| Total assets | $241.0M | $231.8M |
| Deposits / shares | $205.1M | $195.7M |
| Capital ratio | 14.66% (stronger) | 13.51% |
| Problem loans | 2.88% | 0.24% (stronger) |
| Net charge-offs | 0.15% | 0.00% (stronger) |
| Return on assets | 1.79% | 1.85% (stronger) |
| Loans ÷ deposits | 79.1% (stronger) | 90.1% |
| Uninsured deposits | 37.8% | 15.8% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Clair County State Bank has the higher TellerScore (87 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Bank of Grandin 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.