Side-by-side · Q2 2026 data
Independence State Bank vs Security Financial Bank
Metric by metric
| Measure | Independence State Bank | Security Financial Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 61 |
| Capital cushion | 54 (stronger) | 47 |
| Loan quality | 100 (stronger) | 52 |
| Earnings | 68 | 85 (stronger) |
| Funding & liquidity | 71 (stronger) | 62 |
| Problem-loan coverage | 100 (stronger) | 79 |
| Peer percentile | 54th | 24th |
| Total assets | $84.2M | $1.0B |
| Deposits / shares | $72.2M | $827.5M |
| Capital ratio | 10.38% (stronger) | 9.67% |
| Problem loans | 0.00% (stronger) | 1.44% |
| Net charge-offs | -0.00% (stronger) | 0.05% |
| Return on assets | 1.20% | 1.64% (stronger) |
| Loans ÷ deposits | 89.7% (stronger) | 90.3% |
| Uninsured deposits | 14.9% (stronger) | 22.0% |
| Offices | 3 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.0% |
Independence State Bank has the higher TellerScore (75 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Independence State Bank leads on 6 and Security Financial Bank on 1. 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.