Side-by-side · Q2 2026 data
Keen Bank, National Association vs Sterling State Bank
Metric by metric
| Measure | Keen Bank, National Association | Sterling State Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 59 |
| Capital cushion | 34 | 35 (stronger) |
| Loan quality | 98 (stronger) | 84 |
| Earnings | 100 (stronger) | 59 |
| Funding & liquidity | 74 (stronger) | 41 |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 64th | 17th |
| Total assets | $201.1M | $461.9M |
| Deposits / shares | $181.5M | $359.5M |
| Capital ratio | 8.43% | 8.54% (stronger) |
| Problem loans | 0.06% (stronger) | 0.47% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 2.04% (stronger) | 0.98% |
| Loans ÷ deposits | 80.9% (stronger) | 84.8% |
| Uninsured deposits | 19.4% (stronger) | 46.2% |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.7% |
Keen Bank, National Association has the higher TellerScore (76 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Keen Bank, National Association leads on 5 and Sterling State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.