Side-by-side · Q2 2026 data
Community Bank vs Defiance State Bank
Metric by metric
| Measure | Community Bank | Defiance State Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 68 |
| Capital cushion | 60 (stronger) | 49 |
| Loan quality | 91 | 97 (stronger) |
| Earnings | 71 (stronger) | 49 |
| Funding & liquidity | 77 (stronger) | 65 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 64th | 33rd |
| Total assets | $138.3M | $42.6M |
| Deposits / shares | $122.7M | $33.5M |
| Capital ratio | 10.99% (stronger) | 9.86% |
| Problem loans | 0.28% | 0.08% (stronger) |
| Net charge-offs | 0.72% | 0.00% (stronger) |
| Return on assets | 1.27% (stronger) | 0.71% |
| Loans ÷ deposits | 77.8% (stronger) | 95.3% |
| Uninsured deposits | 19.8% | 8.9% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.9% | — |
Community Bank has the higher TellerScore (76 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Community Bank leads on 4 and Defiance State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.