Side-by-side · Q2 2026 data
Cleo State Bank vs Wisdom Heritage Bank
Metric by metric
| Measure | Cleo State Bank | Wisdom Heritage Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 78 |
| Capital cushion | 100 (stronger) | 92 |
| Loan quality | 29 | 57 (stronger) |
| Earnings | 100 (stronger) | 63 |
| Funding & liquidity | 92 | 95 (stronger) |
| Problem-loan coverage | 85 | 90 (stronger) |
| Peer percentile | 77th | 72nd |
| Total assets | $122.5M | $601.3M |
| Deposits / shares | $103.9M | $505.8M |
| Capital ratio | 16.43% (stronger) | 14.22% |
| Problem loans | 2.12% | 1.28% (stronger) |
| Net charge-offs | 0.32% | -0.09% (stronger) |
| Return on assets | 2.29% (stronger) | 1.06% |
| Loans ÷ deposits | 65.0% | 59.4% (stronger) |
| Uninsured deposits | 17.7% (stronger) | 19.3% |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cleo State Bank has the higher TellerScore (80 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Cleo State Bank leads on 4 and Wisdom Heritage Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.