Side-by-side · Q2 2026 data
DeMotte State Bank vs Providence Bank & Trust
Metric by metric
| Measure | DeMotte State Bank | Providence Bank & Trust |
|---|---|---|
| TellerScore | 54 | 81 (stronger) |
| Capital cushion | 69 (stronger) | 65 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 69 | 85 (stronger) |
| Funding & liquidity | 92 (stronger) | 64 |
| Problem-loan coverage | 61 | 98 (stronger) |
| Peer percentile | 10th | 91st |
| Total assets | $622.0M | $1.6B |
| Deposits / shares | $514.9M | $1.3B |
| Capital ratio | 11.85% (stronger) | 11.50% |
| Problem loans | 3.55% | 0.01% (stronger) |
| Net charge-offs | -0.01% (stronger) | -0.00% |
| Return on assets | 1.23% | 1.64% (stronger) |
| Loans ÷ deposits | 49.4% (stronger) | 79.5% |
| Uninsured deposits | 22.1% (stronger) | 30.1% |
| Offices | 9 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.4% | — |
Providence Bank & Trust has the higher TellerScore (81 vs 54). On the 7 directional measures above (where higher or lower is clearly better), DeMotte State Bank leads on 4 and Providence Bank & Trust on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.