Side-by-side · Q2 2026 data
Chelsea Savings Bank vs Keystone Savings Bank
Metric by metric
| Measure | Chelsea Savings Bank | Keystone Savings Bank |
|---|---|---|
| TellerScore | 93 (stronger) | 60 |
| Capital cushion | 100 (stronger) | 63 |
| Loan quality | 92 (stronger) | 52 |
| Earnings | 90 (stronger) | 40 |
| Funding & liquidity | 84 (stronger) | 81 |
| Problem-loan coverage | 98 (stronger) | 84 |
| Peer percentile | 98th | 19th |
| Total assets | $196.9M | $200.8M |
| Deposits / shares | $173.8M | $168.7M |
| Capital ratio | 16.01% (stronger) | 11.29% |
| Problem loans | 0.24% (stronger) | 1.44% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.75% (stronger) | 0.50% |
| Loans ÷ deposits | 48.2% (stronger) | 73.7% |
| Uninsured deposits | 29.8% | 20.5% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 4.1% |
Chelsea Savings Bank has the higher TellerScore (93 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Chelsea Savings Bank leads on 6 and Keystone Savings Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Victor, IA