Side-by-side · Q2 2026 data
Hartsburg State Bank vs Williamsville State Bank & Trust
Metric by metric
| Measure | Hartsburg State Bank | Williamsville State Bank & Trust |
|---|---|---|
| TellerScore | 73 | 73 |
| Capital cushion | 65 | 95 (stronger) |
| Loan quality | 93 (stronger) | 65 |
| Earnings | 29 (stronger) | 19 |
| Funding & liquidity | 98 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 48th | 48th |
| Total assets | $18.1M | $93.8M |
| Deposits / shares | $16.5M | $83.0M |
| Capital ratio | 11.51% | 14.53% (stronger) |
| Problem loans | 0.20% (stronger) | 1.04% |
| Net charge-offs | 1.22% | 0.00% (stronger) |
| Return on assets | 0.22% (stronger) | -0.03% |
| Loans ÷ deposits | 32.8% | 29.2% (stronger) |
| Uninsured deposits | 16.9% | 12.9% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.7% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Hartsburg State Bank leads on 2 and Williamsville State Bank & Trust on 4. 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.