Side-by-side · Q2 2026 data
Herring Bank vs State Bank of De Kalb
Metric by metric
| Measure | Herring Bank | State Bank of De Kalb |
|---|---|---|
| TellerScore | 66 | 82 (stronger) |
| Capital cushion | 72 | 72 |
| Loan quality | 82 | 92 (stronger) |
| Earnings | 26 | 100 (stronger) |
| Funding & liquidity | 67 (stronger) | 54 |
| Problem-loan coverage | 91 | 97 (stronger) |
| Peer percentile | 31st | 82nd |
| Total assets | $540.5M | $519.9M |
| Deposits / shares | $477.0M | $455.1M |
| Capital ratio | 12.20% (stronger) | 12.17% |
| Problem loans | 0.55% | 0.24% (stronger) |
| Net charge-offs | 0.32% | 0.02% (stronger) |
| Return on assets | 0.15% | 2.29% (stronger) |
| Loans ÷ deposits | 76.7% (stronger) | 83.5% |
| Uninsured deposits | 30.5% (stronger) | 35.8% |
| Offices | 10 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.0% | — |
State Bank of De Kalb has the higher TellerScore (82 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Herring Bank leads on 3 and State Bank of De Kalb on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.