Side-by-side · Q2 2026 data
Bank of Winnfield & Trust Company vs State Bank & Trust Company
Metric by metric
| Measure | Bank of Winnfield & Trust Company | State Bank & Trust Company |
|---|---|---|
| TellerScore | 80 (stronger) | 74 |
| Capital cushion | 94 (stronger) | 56 |
| Loan quality | 78 | 85 (stronger) |
| Earnings | 50 | 80 (stronger) |
| Funding & liquidity | 87 (stronger) | 73 |
| Problem-loan coverage | 96 (stronger) | 93 |
| Peer percentile | 77th | 57th |
| Total assets | $156.0M | $165.1M |
| Deposits / shares | $136.9M | $145.3M |
| Capital ratio | 14.43% (stronger) | 10.63% |
| Problem loans | 0.67% | 0.46% (stronger) |
| Net charge-offs | 0.04% | -0.05% (stronger) |
| Return on assets | 0.74% | 1.50% (stronger) |
| Loans ÷ deposits | 41.4% (stronger) | 78.8% |
| Uninsured deposits | 27.3% | 22.4% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Winnfield & Trust Company has the higher TellerScore (80 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Bank of Winnfield & Trust Company leads on 3 and State Bank & Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.