Side-by-side · Q2 2026 data
Ipava State Bank vs Vermont State Bank
Metric by metric
| Measure | Ipava State Bank | Vermont State Bank |
|---|---|---|
| TellerScore | 73 | 73 |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 93 (stronger) | 0 |
| Earnings | 79 | 100 (stronger) |
| Funding & liquidity | 70 | 96 (stronger) |
| Problem-loan coverage | 97 (stronger) | 83 |
| Peer percentile | 53rd | 48th |
| Total assets | $221.9M | $31.0M |
| Deposits / shares | $194.3M | $21.0M |
| Capital ratio | 9.68% | 28.17% (stronger) |
| Problem loans | 0.20% (stronger) | 5.08% |
| Net charge-offs | -0.03% (stronger) | 0.07% |
| Return on assets | 1.47% | 6.34% (stronger) |
| Loans ÷ deposits | 70.4% | 64.2% (stronger) |
| Uninsured deposits | 32.5% | 5.3% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.8% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Ipava State Bank leads on 2 and Vermont State Bank on 4. 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.