Side-by-side · Q2 2026 data
Bank of the Sierra vs Royal Business Bank
Metric by metric
| Measure | Bank of the Sierra | Royal Business Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 68 |
| Capital cushion | 72 | 75 (stronger) |
| Loan quality | 86 (stronger) | 76 |
| Earnings | 73 (stronger) | 67 |
| Funding & liquidity | 63 (stronger) | 27 |
| Problem-loan coverage | 96 (stronger) | 86 |
| Peer percentile | 83rd | 49th |
| Total assets | $3.7B | $4.3B |
| Deposits / shares | $2.9B | $3.5B |
| Capital ratio | 12.25% | 12.54% (stronger) |
| Problem loans | 0.43% (stronger) | 0.72% |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 1.33% (stronger) | 1.18% |
| Loans ÷ deposits | 82.9% (stronger) | 93.9% |
| Uninsured deposits | 27.9% (stronger) | 50.7% |
| Offices | 34 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.9% |
Bank of the Sierra has the higher TellerScore (77 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Bank of the Sierra leads on 5 and Royal Business Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.