Side-by-side · Q2 2026 data
Breda Savings Bank vs Sibley State Bank
Metric by metric
| Measure | Breda Savings Bank | Sibley State Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 77 |
| Capital cushion | 59 | 60 (stronger) |
| Loan quality | 100 (stronger) | 85 |
| Earnings | 85 (stronger) | 76 |
| Funding & liquidity | 79 | 88 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 82nd | 68th |
| Total assets | $106.0M | $104.4M |
| Deposits / shares | $84.7M | $91.5M |
| Capital ratio | 10.88% | 11.03% (stronger) |
| Problem loans | 0.00% (stronger) | 0.46% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.62% (stronger) | 1.41% |
| Loans ÷ deposits | 65.7% (stronger) | 72.1% |
| Uninsured deposits | 29.1% | 14.5% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Breda Savings Bank has the higher TellerScore (82 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Breda Savings Bank leads on 5 and Sibley State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.