Side-by-side · Q2 2026 data
Clear Lake Bank and Trust Company vs South Story Bank & Trust
Metric by metric
| Measure | Clear Lake Bank and Trust Company | South Story Bank & Trust |
|---|---|---|
| TellerScore | 75 (stronger) | 57 |
| Capital cushion | 35 | 59 (stronger) |
| Loan quality | 100 (stronger) | 74 |
| Earnings | 98 (stronger) | 46 |
| Funding & liquidity | 64 (stronger) | 19 |
| Problem-loan coverage | 100 (stronger) | 86 |
| Peer percentile | 61st | 14th |
| Total assets | $649.3M | $623.9M |
| Deposits / shares | $585.0M | $491.3M |
| Capital ratio | 8.53% | 10.93% (stronger) |
| Problem loans | 0.00% (stronger) | 0.78% |
| Net charge-offs | 0.02% (stronger) | 0.05% |
| Return on assets | 1.94% (stronger) | 0.65% |
| Loans ÷ deposits | 83.5% (stronger) | 115.1% |
| Uninsured deposits | 26.2% (stronger) | 43.3% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.8% |
Clear Lake Bank and Trust Company has the higher TellerScore (75 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Clear Lake Bank and Trust Company leads on 6 and South Story Bank & Trust on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.