Side-by-side · Q2 2026 data
BankStar Financial vs Richland State Bank
Metric by metric
| Measure | BankStar Financial | Richland State Bank |
|---|---|---|
| TellerScore | 71 | 90 (stronger) |
| Capital cushion | 44 | 73 (stronger) |
| Loan quality | 95 | 95 |
| Earnings | 81 | 100 (stronger) |
| Funding & liquidity | 54 | 97 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 47th | 89th |
| Total assets | $363.5M | $49.6M |
| Deposits / shares | $302.1M | $44.7M |
| Capital ratio | 9.42% | 12.30% (stronger) |
| Problem loans | 0.14% (stronger) | 0.15% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.53% | 2.03% (stronger) |
| Loans ÷ deposits | 93.2% | 42.6% (stronger) |
| Uninsured deposits | 27.3% | 18.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Richland State Bank has the higher TellerScore (90 vs 71). On the 7 directional measures above (where higher or lower is clearly better), BankStar Financial leads on 1 and Richland State 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.