Side-by-side · Q2 2026 data
Community Financial Services Bank vs The Monticello Banking Company
Metric by metric
| Measure | Community Financial Services Bank | The Monticello Banking Company |
|---|---|---|
| TellerScore | 70 | 71 (stronger) |
| Capital cushion | 53 (stronger) | 52 |
| Loan quality | 86 | 96 (stronger) |
| Earnings | 61 (stronger) | 59 |
| Funding & liquidity | 75 (stronger) | 62 |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 58th | 63rd |
| Total assets | $1.4B | $1.1B |
| Deposits / shares | $1.2B | $924.3M |
| Capital ratio | 10.33% (stronger) | 10.17% |
| Problem loans | 0.42% | 0.11% (stronger) |
| Net charge-offs | 0.23% | 0.01% (stronger) |
| Return on assets | 1.04% (stronger) | 0.97% |
| Loans ÷ deposits | 78.7% (stronger) | 82.8% |
| Uninsured deposits | 21.3% (stronger) | 28.7% |
| Offices | 8 | 21 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.4% | 18.6% |
The Monticello Banking Company has the higher TellerScore (71 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Community Financial Services Bank leads on 4 and The Monticello Banking Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.