Side-by-side · Q2 2026 data
Collins State Bank vs Bay Bank
Metric by metric
| Measure | Collins State Bank | Bay Bank |
|---|---|---|
| TellerScore | 62 (stronger) | 59 |
| Capital cushion | 37 | 62 (stronger) |
| Loan quality | 90 (stronger) | 32 |
| Earnings | 64 | 65 (stronger) |
| Funding & liquidity | 40 | 76 (stronger) |
| Problem-loan coverage | 95 (stronger) | 84 |
| Peer percentile | 22nd | 17th |
| Total assets | $301.2M | $315.7M |
| Deposits / shares | $260.6M | $264.9M |
| Capital ratio | 8.73% | 11.19% (stronger) |
| Problem loans | 0.30% (stronger) | 2.03% |
| Net charge-offs | -0.00% (stronger) | 0.06% |
| Return on assets | 1.09% | 1.12% (stronger) |
| Loans ÷ deposits | 98.4% | 49.6% (stronger) |
| Uninsured deposits | 35.0% (stronger) | 37.0% |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.2% | 34.4% |
Collins State Bank has the higher TellerScore (62 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Collins State Bank leads on 4 and Bay Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.