Side-by-side · Q2 2026 data
Bay Port State Bank vs Sidney State Bank
Metric by metric
| Measure | Bay Port State Bank | Sidney State Bank |
|---|---|---|
| TellerScore | 71 | 80 (stronger) |
| Capital cushion | 59 (stronger) | 46 |
| Loan quality | 78 | 98 (stronger) |
| Earnings | 73 | 97 (stronger) |
| Funding & liquidity | 64 | 83 (stronger) |
| Problem-loan coverage | 91 | 98 (stronger) |
| Peer percentile | 47th | 77th |
| Total assets | $153.4M | $138.7M |
| Deposits / shares | $136.1M | $123.1M |
| Capital ratio | 10.89% (stronger) | 9.65% |
| Problem loans | 0.65% | 0.06% (stronger) |
| Net charge-offs | 0.18% | -0.01% (stronger) |
| Return on assets | 1.34% | 1.93% (stronger) |
| Loans ÷ deposits | 95.8% | 73.8% (stronger) |
| Uninsured deposits | 10.6% (stronger) | 18.1% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.6% |
Sidney State Bank has the higher TellerScore (80 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Bay Port State Bank leads on 2 and Sidney State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.