Side-by-side · Q2 2026 data
Cattle Bank and Trust vs Sandhills State Bank
Metric by metric
| Measure | Cattle Bank and Trust | Sandhills State Bank |
|---|---|---|
| TellerScore | 87 (stronger) | 69 |
| Capital cushion | 79 (stronger) | 34 |
| Loan quality | 97 (stronger) | 95 |
| Earnings | 100 (stronger) | 81 |
| Funding & liquidity | 64 (stronger) | 59 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 91st | 40th |
| Total assets | $421.9M | $382.8M |
| Deposits / shares | $347.2M | $347.1M |
| Capital ratio | 12.87% (stronger) | 8.42% |
| Problem loans | 0.08% (stronger) | 0.16% |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 2.14% (stronger) | 1.52% |
| Loans ÷ deposits | 91.6% | 79.3% (stronger) |
| Uninsured deposits | 19.2% (stronger) | 34.6% |
| Offices | 3 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | — |
Cattle Bank and Trust has the higher TellerScore (87 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Cattle Bank and Trust leads on 5 and Sandhills State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.