Side-by-side · Q2 2026 data
Isabella Bank vs Southern Michigan Bank & Trust
Metric by metric
| Measure | Isabella Bank | Southern Michigan Bank & Trust |
|---|---|---|
| TellerScore | 62 (stronger) | 56 |
| Capital cushion | 39 | 40 (stronger) |
| Loan quality | 84 (stronger) | 69 |
| Earnings | 64 (stronger) | 54 |
| Funding & liquidity | 51 (stronger) | 50 |
| Problem-loan coverage | 92 (stronger) | 84 |
| Peer percentile | 27th | 15th |
| Total assets | $2.2B | $1.7B |
| Deposits / shares | $1.8B | $1.4B |
| Capital ratio | 8.93% | 9.04% (stronger) |
| Problem loans | 0.49% (stronger) | 0.92% |
| Net charge-offs | 0.08% (stronger) | 0.13% |
| Return on assets | 1.10% (stronger) | 0.85% |
| Loans ÷ deposits | 85.4% (stronger) | 89.9% |
| Uninsured deposits | 36.5% | 33.6% (stronger) |
| Offices | 27 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.4% | 13.3% |
Isabella Bank has the higher TellerScore (62 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Isabella Bank leads on 5 and Southern Michigan Bank & Trust on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.