Side-by-side · Q2 2026 data
Dayspring Bank vs Adams Bank & Trust
Metric by metric
| Measure | Dayspring Bank | Adams Bank & Trust |
|---|---|---|
| TellerScore | 58 | 82 (stronger) |
| Capital cushion | 57 | 91 (stronger) |
| Loan quality | 42 | 82 (stronger) |
| Earnings | 62 | 73 (stronger) |
| Funding & liquidity | 68 | 69 (stronger) |
| Problem-loan coverage | 77 | 95 (stronger) |
| Peer percentile | 17th | 93rd |
| Total assets | $1.2B | $1.3B |
| Deposits / shares | $927.6M | $1.1B |
| Capital ratio | 10.71% | 14.11% (stronger) |
| Problem loans | 1.73% | 0.55% (stronger) |
| Net charge-offs | -0.04% (stronger) | 0.02% |
| Return on assets | 1.06% | 1.32% (stronger) |
| Loans ÷ deposits | 92.1% | 82.4% (stronger) |
| Uninsured deposits | 14.3% (stronger) | 23.0% |
| Offices | 6 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | 10.6% |
Adams Bank & Trust has the higher TellerScore (82 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Dayspring Bank leads on 2 and Adams Bank & Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.