Side-by-side · Q2 2026 data
Highland State Bank vs Richland County Bank
Metric by metric
| Measure | Highland State Bank | Richland County Bank |
|---|---|---|
| TellerScore | 65 | 96 (stronger) |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 23 | 100 (stronger) |
| Earnings | 71 | 81 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 26th | 99th |
| Total assets | $44.9M | $114.1M |
| Deposits / shares | $38.7M | $96.0M |
| Capital ratio | 11.98% | 17.77% (stronger) |
| Problem loans | 2.31% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.28% | 1.51% (stronger) |
| Loans ÷ deposits | 44.4% (stronger) | 51.3% |
| Uninsured deposits | 12.7% | 12.5% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Richland County Bank has the higher TellerScore (96 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Highland State Bank leads on 1 and Richland County Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.