Side-by-side · Q2 2026 data
Kalamazoo County State Bank vs 1st Source Bank
Metric by metric
| Measure | Kalamazoo County State Bank | 1st Source Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 75 |
| Capital cushion | 71 | 87 (stronger) |
| Loan quality | 89 (stronger) | 67 |
| Earnings | 42 | 100 (stronger) |
| Funding & liquidity | 99 (stronger) | 22 |
| Problem-loan coverage | 97 (stronger) | 90 |
| Peer percentile | 68th | 77th |
| Total assets | $118.4M | $9.3B |
| Deposits / shares | $105.3M | $7.4B |
| Capital ratio | 12.08% | 13.72% (stronger) |
| Problem loans | 0.33% (stronger) | 0.99% |
| Net charge-offs | 0.08% (stronger) | 0.13% |
| Return on assets | 0.54% | 1.99% (stronger) |
| Loans ÷ deposits | 57.7% (stronger) | 95.0% |
| Uninsured deposits | 16.1% (stronger) | 53.8% |
| Offices | 3 | 76 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.3% |
Kalamazoo County State Bank has the higher TellerScore (77 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Kalamazoo County State Bank leads on 5 and 1st Source Bank 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.