Side-by-side · Q2 2026 data
Cherokee State Bank vs Security Trust & Savings Bank
Metric by metric
| Measure | Cherokee State Bank | Security Trust & Savings Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 70 |
| Capital cushion | 80 (stronger) | 54 |
| Loan quality | 100 (stronger) | 74 |
| Earnings | 61 | 70 (stronger) |
| Funding & liquidity | 78 | 79 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 84th | 43rd |
| Total assets | $271.1M | $266.4M |
| Deposits / shares | $218.9M | $239.4M |
| Capital ratio | 13.03% (stronger) | 10.41% |
| Problem loans | 0.00% (stronger) | 0.78% |
| Net charge-offs | -0.11% (stronger) | 0.09% |
| Return on assets | 1.03% | 1.24% (stronger) |
| Loans ÷ deposits | 82.5% | 32.7% (stronger) |
| Uninsured deposits | 15.1% (stronger) | 34.1% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cherokee State Bank has the higher TellerScore (83 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Cherokee State Bank leads on 5 and Security Trust & Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.