Side-by-side · Q2 2026 data
Community State Bank vs Bank of Wolcott
Metric by metric
| Measure | Community State Bank | Bank of Wolcott |
|---|---|---|
| TellerScore | 70 | 81 (stronger) |
| Capital cushion | 55 | 70 (stronger) |
| Loan quality | 88 (stronger) | 86 |
| Earnings | 45 | 88 (stronger) |
| Funding & liquidity | 89 (stronger) | 73 |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 43rd | 80th |
| Total assets | $175.9M | $280.3M |
| Deposits / shares | $160.6M | $234.2M |
| Capital ratio | 10.48% | 12.01% (stronger) |
| Problem loans | 0.37% (stronger) | 0.43% |
| Net charge-offs | 0.36% | -0.00% (stronger) |
| Return on assets | 0.62% | 1.69% (stronger) |
| Loans ÷ deposits | 59.0% (stronger) | 60.2% |
| Uninsured deposits | 25.4% (stronger) | 39.2% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Bank of Wolcott has the higher TellerScore (81 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Community State Bank leads on 3 and Bank of Wolcott on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.