Side-by-side · Q2 2026 data
Holcomb Bank vs State Bank of Graymont
Metric by metric
| Measure | Holcomb Bank | State Bank of Graymont |
|---|---|---|
| TellerScore | 72 (stronger) | 51 |
| Capital cushion | 38 | 68 (stronger) |
| Loan quality | 99 (stronger) | 0 |
| Earnings | 81 (stronger) | 60 |
| Funding & liquidity | 63 | 81 (stronger) |
| Problem-loan coverage | 99 (stronger) | 64 |
| Peer percentile | 50th | 8th |
| Total assets | $304.8M | $312.7M |
| Deposits / shares | $239.4M | $270.8M |
| Capital ratio | 8.84% | 11.77% (stronger) |
| Problem loans | 0.03% (stronger) | 3.61% |
| Net charge-offs | -0.02% (stronger) | -0.01% |
| Return on assets | 1.53% (stronger) | 1.00% |
| Loans ÷ deposits | 95.5% | 71.8% (stronger) |
| Uninsured deposits | 16.4% (stronger) | 21.2% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.1% | — |
Holcomb Bank has the higher TellerScore (72 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Holcomb Bank leads on 5 and State Bank of Graymont on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.