Side-by-side · Q2 2026 data
Bonduel State Bank vs Bay Bank
Metric by metric
| Measure | Bonduel State Bank | Bay Bank |
|---|---|---|
| TellerScore | 89 (stronger) | 59 |
| Capital cushion | 90 (stronger) | 62 |
| Loan quality | 100 (stronger) | 32 |
| Earnings | 75 (stronger) | 65 |
| Funding & liquidity | 82 (stronger) | 76 |
| Problem-loan coverage | 100 (stronger) | 84 |
| Peer percentile | 94th | 17th |
| Total assets | $132.1M | $315.7M |
| Deposits / shares | $113.1M | $264.9M |
| Capital ratio | 14.04% (stronger) | 11.19% |
| Problem loans | 0.01% (stronger) | 2.03% |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 1.37% (stronger) | 1.12% |
| Loans ÷ deposits | 78.5% | 49.6% (stronger) |
| Uninsured deposits | 12.6% (stronger) | 37.0% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 34.4% |
Bonduel State Bank has the higher TellerScore (89 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Bonduel State Bank leads on 6 and Bay Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.