Side-by-side · Q2 2026 data
Bank of Holyrood vs Small Business Bank
Metric by metric
| Measure | Bank of Holyrood | Small Business Bank |
|---|---|---|
| TellerScore | 66 (stronger) | 11 |
| Capital cushion | 100 (stronger) | 0 |
| Loan quality | 3 (stronger) | 0 |
| Earnings | 72 (stronger) | 0 |
| Funding & liquidity | 88 (stronger) | 73 |
| Problem-loan coverage | 75 (stronger) | 0 |
| Peer percentile | 28th | 0th |
| Total assets | $69.8M | $72.9M |
| Deposits / shares | $58.9M | $68.8M |
| Capital ratio | 16.68% (stronger) | 4.83% |
| Problem loans | 2.92% (stronger) | 4.81% |
| Net charge-offs | 0.72% | -0.03% (stronger) |
| Return on assets | 1.29% (stronger) | -4.29% |
| Loans ÷ deposits | 68.0% (stronger) | 87.2% |
| Uninsured deposits | 19.0% | 9.9% (stronger) |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Holyrood has the higher TellerScore (66 vs 11). On the 7 directional measures above (where higher or lower is clearly better), Bank of Holyrood leads on 5 and Small Business Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.