Side-by-side · Q2 2026 data
Baybank vs Sidney State Bank
Metric by metric
| Measure | Baybank | Sidney State Bank |
|---|---|---|
| TellerScore | 56 | 80 (stronger) |
| Capital cushion | 57 (stronger) | 46 |
| Loan quality | 33 | 98 (stronger) |
| Earnings | 69 | 97 (stronger) |
| Funding & liquidity | 63 | 83 (stronger) |
| Problem-loan coverage | 71 | 98 (stronger) |
| Peer percentile | 13th | 77th |
| Total assets | $173.4M | $138.7M |
| Deposits / shares | $145.8M | $123.1M |
| Capital ratio | 10.71% (stronger) | 9.65% |
| Problem loans | 2.02% | 0.06% (stronger) |
| Net charge-offs | 0.06% | -0.01% (stronger) |
| Return on assets | 1.23% | 1.93% (stronger) |
| Loans ÷ deposits | 92.4% | 73.8% (stronger) |
| Uninsured deposits | 19.6% | 18.1% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.6% |
Sidney State Bank has the higher TellerScore (80 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Baybank leads on 1 and Sidney State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.