Side-by-side · Q2 2026 data
Bank of Millbrook vs The Upstate National Bank
Metric by metric
| Measure | Bank of Millbrook | The Upstate National Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 63 |
| Capital cushion | 71 (stronger) | 52 |
| Loan quality | 41 | 100 (stronger) |
| Earnings | 100 (stronger) | 23 |
| Funding & liquidity | 86 (stronger) | 50 |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 53rd | 24th |
| Total assets | $311.7M | $294.8M |
| Deposits / shares | $269.8M | $208.8M |
| Capital ratio | 12.11% (stronger) | 10.19% |
| Problem loans | 1.76% | 0.00% (stronger) |
| Net charge-offs | -0.01% (stronger) | -0.00% |
| Return on assets | 2.23% (stronger) | 0.07% |
| Loans ÷ deposits | 50.3% (stronger) | 110.3% |
| Uninsured deposits | 28.2% | 10.2% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.2% | — |
Bank of Millbrook has the higher TellerScore (73 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Bank of Millbrook leads on 5 and The Upstate National Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.