Side-by-side · Q2 2026 data
Highland State Bank vs Bank of Ontario
Metric by metric
| Measure | Highland State Bank | Bank of Ontario |
|---|---|---|
| TellerScore | 65 (stronger) | 51 |
| Capital cushion | 70 | 89 (stronger) |
| Loan quality | 23 (stronger) | 0 |
| Earnings | 71 (stronger) | 66 |
| Funding & liquidity | 100 (stronger) | 65 |
| Problem-loan coverage | 86 (stronger) | 11 |
| Peer percentile | 26th | 10th |
| Total assets | $44.9M | $79.0M |
| Deposits / shares | $38.7M | $67.4M |
| Capital ratio | 11.98% | 13.85% (stronger) |
| Problem loans | 2.31% (stronger) | 8.53% |
| Net charge-offs | 0.00% | -0.11% (stronger) |
| Return on assets | 1.28% (stronger) | 1.16% |
| Loans ÷ deposits | 44.4% (stronger) | 94.8% |
| Uninsured deposits | 12.7% | 8.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.7% |
Highland State Bank has the higher TellerScore (65 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Highland State Bank leads on 4 and Bank of Ontario on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.