Side-by-side · Q2 2026 data
Independence State Bank vs CCFBank National Association
Metric by metric
| Measure | Independence State Bank | CCFBank National Association |
|---|---|---|
| TellerScore | 75 (stronger) | 50 |
| Capital cushion | 54 | 62 (stronger) |
| Loan quality | 100 (stronger) | 24 |
| Earnings | 68 (stronger) | 49 |
| Funding & liquidity | 71 (stronger) | 57 |
| Problem-loan coverage | 100 (stronger) | 73 |
| Peer percentile | 54th | 7th |
| Total assets | $84.2M | $1.8B |
| Deposits / shares | $72.2M | $1.6B |
| Capital ratio | 10.38% | 11.21% (stronger) |
| Problem loans | 0.00% (stronger) | 2.28% |
| Net charge-offs | -0.00% (stronger) | 0.24% |
| Return on assets | 1.20% (stronger) | 0.74% |
| Loans ÷ deposits | 89.7% | 86.0% (stronger) |
| Uninsured deposits | 14.9% (stronger) | 30.4% |
| Offices | 3 | 21 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.4% |
Independence State Bank has the higher TellerScore (75 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Independence State Bank leads on 5 and CCFBank National Association on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.