Side-by-side · Q2 2026 data
Champlain National Bank vs Cross County Savings Bank
Metric by metric
| Measure | Champlain National Bank | Cross County Savings Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 56 |
| Capital cushion | 59 | 78 (stronger) |
| Loan quality | 92 (stronger) | 26 |
| Earnings | 56 (stronger) | 38 |
| Funding & liquidity | 63 | 71 (stronger) |
| Problem-loan coverage | 96 (stronger) | 75 |
| Peer percentile | 47th | 13th |
| Total assets | $497.1M | $525.4M |
| Deposits / shares | $443.9M | $446.5M |
| Capital ratio | 10.87% | 12.84% (stronger) |
| Problem loans | 0.25% (stronger) | 2.21% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.90% (stronger) | 0.46% |
| Loans ÷ deposits | 72.7% (stronger) | 87.8% |
| Uninsured deposits | 37.5% | 16.4% (stronger) |
| Offices | 10 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.0% |
Champlain National Bank has the higher TellerScore (71 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Champlain National Bank leads on 4 and Cross County Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.