Side-by-side · Q2 2026 data
Henderson State Bank vs Madison County Bank
Metric by metric
| Measure | Henderson State Bank | Madison County Bank |
|---|---|---|
| TellerScore | 72 | 85 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 91 (stronger) | 88 |
| Earnings | 83 (stronger) | 73 |
| Funding & liquidity | 45 | 56 (stronger) |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 50th | 88th |
| Total assets | $678.5M | $613.2M |
| Deposits / shares | $510.7M | $479.2M |
| Capital ratio | 10.41% | 15.11% (stronger) |
| Problem loans | 0.27% (stronger) | 0.37% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.58% (stronger) | 1.33% |
| Loans ÷ deposits | 109.4% | 94.9% (stronger) |
| Uninsured deposits | 20.2% (stronger) | 23.4% |
| Offices | 12 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Madison County Bank has the higher TellerScore (85 vs 72). On the 6 directional measures above (where higher or lower is clearly better), Henderson State Bank leads on 3 and Madison County Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.