Side-by-side · Q2 2026 data
Kalamazoo County State Bank vs Sidney State Bank
Metric by metric
| Measure | Kalamazoo County State Bank | Sidney State Bank |
|---|---|---|
| TellerScore | 77 | 80 (stronger) |
| Capital cushion | 71 (stronger) | 46 |
| Loan quality | 89 | 98 (stronger) |
| Earnings | 42 | 97 (stronger) |
| Funding & liquidity | 99 (stronger) | 83 |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 68th | 77th |
| Total assets | $118.4M | $138.7M |
| Deposits / shares | $105.3M | $123.1M |
| Capital ratio | 12.08% (stronger) | 9.65% |
| Problem loans | 0.33% | 0.06% (stronger) |
| Net charge-offs | 0.08% | -0.01% (stronger) |
| Return on assets | 0.54% | 1.93% (stronger) |
| Loans ÷ deposits | 57.7% (stronger) | 73.8% |
| Uninsured deposits | 16.1% (stronger) | 18.1% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.6% |
Sidney State Bank has the higher TellerScore (80 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Kalamazoo County State Bank leads on 3 and Sidney State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.