Side-by-side · Q2 2026 data
Chelsea Savings Bank vs State Bank & Trust Co.
Metric by metric
| Measure | Chelsea Savings Bank | State Bank & Trust Co. |
|---|---|---|
| TellerScore | 93 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 60 |
| Loan quality | 92 (stronger) | 57 |
| Earnings | 90 (stronger) | 78 |
| Funding & liquidity | 84 | 88 (stronger) |
| Problem-loan coverage | 98 (stronger) | 87 |
| Peer percentile | 98th | 43rd |
| Total assets | $196.9M | $197.6M |
| Deposits / shares | $173.8M | $174.3M |
| Capital ratio | 16.01% (stronger) | 11.03% |
| Problem loans | 0.24% (stronger) | 1.30% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.75% (stronger) | 1.44% |
| Loans ÷ deposits | 48.2% (stronger) | 58.3% |
| Uninsured deposits | 29.8% | 25.7% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Chelsea Savings Bank has the higher TellerScore (93 vs 70). On the 6 directional measures above (where higher or lower is clearly better), Chelsea Savings Bank leads on 5 and State Bank & Trust Co. on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.