Side-by-side · Q2 2026 data
Cherokee State Bank vs State Bank of Schaller
Metric by metric
| Measure | Cherokee State Bank | State Bank of Schaller |
|---|---|---|
| TellerScore | 83 (stronger) | 59 |
| Capital cushion | 80 | 83 (stronger) |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 61 (stronger) | 52 |
| Funding & liquidity | 78 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 84th | 18th |
| Total assets | $271.1M | $40.6M |
| Deposits / shares | $218.9M | $34.9M |
| Capital ratio | 13.03% | 13.27% (stronger) |
| Problem loans | 0.00% (stronger) | 3.69% |
| Net charge-offs | -0.11% (stronger) | 1.20% |
| Return on assets | 1.03% (stronger) | 0.81% |
| Loans ÷ deposits | 82.5% | 28.6% (stronger) |
| Uninsured deposits | 15.1% | 0.5% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cherokee State Bank has the higher TellerScore (83 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Cherokee State Bank leads on 4 and State Bank of Schaller on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.