Side-by-side · Q2 2026 data
Generations Bank vs Smackover State Bank
Metric by metric
| Measure | Generations Bank | Smackover State Bank |
|---|---|---|
| TellerScore | 63 | 68 (stronger) |
| Capital cushion | 65 (stronger) | 60 |
| Loan quality | 50 | 72 (stronger) |
| Earnings | 68 (stronger) | 67 |
| Funding & liquidity | 58 | 62 (stronger) |
| Problem-loan coverage | 82 | 89 (stronger) |
| Peer percentile | 30th | 37th |
| Total assets | $1.1B | $252.4M |
| Deposits / shares | $935.6M | $210.4M |
| Capital ratio | 11.51% (stronger) | 11.04% |
| Problem loans | 1.51% | 0.83% (stronger) |
| Net charge-offs | 1.31% | 0.08% (stronger) |
| Return on assets | 1.19% (stronger) | 1.17% |
| Loans ÷ deposits | 81.2% (stronger) | 83.0% |
| Uninsured deposits | 33.7% | 28.7% (stronger) |
| Offices | 11 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
Smackover State Bank has the higher TellerScore (68 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Generations Bank leads on 3 and Smackover State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.