Side-by-side · Q2 2026 data
Hartsburg State Bank vs Sainte Marie State Bank
Metric by metric
| Measure | Hartsburg State Bank | Sainte Marie State Bank |
|---|---|---|
| TellerScore | 73 | 76 (stronger) |
| Capital cushion | 65 | 100 (stronger) |
| Loan quality | 93 (stronger) | 90 |
| Earnings | 29 (stronger) | 0 |
| Funding & liquidity | 98 (stronger) | 90 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 48th | 56th |
| Total assets | $18.1M | $23.0M |
| Deposits / shares | $16.5M | $19.2M |
| Capital ratio | 11.51% | 15.83% (stronger) |
| Problem loans | 0.20% (stronger) | 0.31% |
| Net charge-offs | 1.22% | 0.40% (stronger) |
| Return on assets | 0.22% (stronger) | -0.74% |
| Loans ÷ deposits | 32.8% (stronger) | 46.5% |
| Uninsured deposits | 16.9% (stronger) | 24.1% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sainte Marie State Bank has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Hartsburg State Bank leads on 4 and Sainte Marie State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.