Side-by-side · Q2 2026 data
First State Bank of Middlebury vs Everence Trust Company
Metric by metric
| Measure | First State Bank of Middlebury | Everence Trust Company |
|---|---|---|
| TellerScore | 67 | 94 (stronger) |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 48 | 100 (stronger) |
| Earnings | 84 | 100 (stronger) |
| Funding & liquidity | 35 | 61 (stronger) |
| Problem-loan coverage | 81 | 100 (stronger) |
| Peer percentile | 34th | 96th |
| Total assets | $836.2M | $16.2M |
| Deposits / shares | $651.3M | $500K |
| Capital ratio | 13.37% | 96.81% (stronger) |
| Problem loans | 1.55% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.59% | 19.63% (stronger) |
| Loans ÷ deposits | 99.5% | 0.0% (stronger) |
| Uninsured deposits | 37.8% (stronger) | 50.0% |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.7% | — |
Everence Trust Company has the higher TellerScore (94 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Middlebury leads on 2 and Everence Trust Company on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.