Side-by-side · Q2 2026 data
Houghton State Bank vs State Bank & Trust Co.
Metric by metric
| Measure | Houghton State Bank | State Bank & Trust Co. |
|---|---|---|
| TellerScore | 69 | 70 (stronger) |
| Capital cushion | 100 (stronger) | 60 |
| Loan quality | 14 | 57 (stronger) |
| Earnings | 83 (stronger) | 78 |
| Funding & liquidity | 70 | 88 (stronger) |
| Problem-loan coverage | 80 | 87 (stronger) |
| Peer percentile | 40th | 43rd |
| Total assets | $204.8M | $197.6M |
| Deposits / shares | $169.2M | $174.3M |
| Capital ratio | 15.39% (stronger) | 11.03% |
| Problem loans | 2.58% | 1.30% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.56% (stronger) | 1.44% |
| Loans ÷ deposits | 85.7% | 58.3% (stronger) |
| Uninsured deposits | 19.4% (stronger) | 25.7% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.2% | — |
State Bank & Trust Co. has the higher TellerScore (70 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Houghton State Bank leads on 3 and State Bank & Trust Co. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.