Side-by-side · Q2 2026 data
Bank of Springfield vs Midland Community Bank
Metric by metric
| Measure | Bank of Springfield | Midland Community Bank |
|---|---|---|
| TellerScore | 55 | 88 (stronger) |
| Capital cushion | 42 | 71 (stronger) |
| Loan quality | 52 | 100 (stronger) |
| Earnings | 72 | 87 (stronger) |
| Funding & liquidity | 51 | 95 (stronger) |
| Problem-loan coverage | 75 | 100 (stronger) |
| Peer percentile | 13th | 86th |
| Total assets | $2.0B | $68.8M |
| Deposits / shares | $1.7B | $56.6M |
| Capital ratio | 9.22% | 12.11% (stronger) |
| Problem loans | 1.43% | 0.00% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.49% |
| Return on assets | 1.30% | 1.66% (stronger) |
| Loans ÷ deposits | 99.9% | 64.9% (stronger) |
| Uninsured deposits | 23.6% | 12.0% (stronger) |
| Offices | 18 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.7% | — |
Midland Community Bank has the higher TellerScore (88 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Bank of Springfield leads on 1 and Midland Community Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.