Side-by-side · Q2 2026 data
Community Spirit Bank vs PeoplesTrust Bank
Metric by metric
| Measure | Community Spirit Bank | PeoplesTrust Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 73 |
| Capital cushion | 47 | 61 (stronger) |
| Loan quality | 100 (stronger) | 85 |
| Earnings | 75 (stronger) | 63 |
| Funding & liquidity | 84 (stronger) | 77 |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 68th | 53rd |
| Total assets | $228.8M | $201.2M |
| Deposits / shares | $205.7M | $177.6M |
| Capital ratio | 9.73% | 11.11% (stronger) |
| Problem loans | 0.00% (stronger) | 0.45% |
| Net charge-offs | 0.34% | 0.03% (stronger) |
| Return on assets | 1.39% (stronger) | 1.08% |
| Loans ÷ deposits | 72.5% (stronger) | 74.1% |
| Uninsured deposits | 18.0% (stronger) | 22.9% |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.4% |
Community Spirit Bank has the higher TellerScore (77 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Community Spirit Bank leads on 5 and PeoplesTrust Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.