Side-by-side · Q2 2026 data
Kerndt Brothers Savings Bank vs Royal Bank
Metric by metric
| Measure | Kerndt Brothers Savings Bank | Royal Bank |
|---|---|---|
| TellerScore | 79 | 79 |
| Capital cushion | 59 (stronger) | 55 |
| Loan quality | 78 | 98 (stronger) |
| Earnings | 100 (stronger) | 79 |
| Funding & liquidity | 86 (stronger) | 83 |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 75th | 75th |
| Total assets | $347.2M | $816.1M |
| Deposits / shares | $282.8M | $723.1M |
| Capital ratio | 10.88% (stronger) | 10.53% |
| Problem loans | 0.65% | 0.06% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 2.48% (stronger) | 1.48% |
| Loans ÷ deposits | 71.5% (stronger) | 76.8% |
| Uninsured deposits | 17.3% | 11.9% (stronger) |
| Offices | 6 | 21 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.4% | 13.0% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Kerndt Brothers Savings Bank leads on 4 and Royal Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.