Side-by-side · Q2 2026 data
Kensington Bank vs Sterling State Bank
Metric by metric
| Measure | Kensington Bank | Sterling State Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 59 |
| Capital cushion | 49 (stronger) | 35 |
| Loan quality | 81 | 84 (stronger) |
| Earnings | 72 (stronger) | 59 |
| Funding & liquidity | 68 (stronger) | 41 |
| Problem-loan coverage | 92 | 92 |
| Peer percentile | 40th | 17th |
| Total assets | $446.7M | $461.9M |
| Deposits / shares | $376.2M | $359.5M |
| Capital ratio | 9.90% (stronger) | 8.54% |
| Problem loans | 0.58% | 0.47% (stronger) |
| Net charge-offs | 0.45% | 0.00% (stronger) |
| Return on assets | 1.30% (stronger) | 0.98% |
| Loans ÷ deposits | 90.7% | 84.8% (stronger) |
| Uninsured deposits | 16.9% (stronger) | 46.2% |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | 10.7% |
Kensington Bank has the higher TellerScore (69 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Kensington Bank leads on 4 and Sterling State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.