Side-by-side · Q2 2026 data
Local Bank vs Ameristate Bank
Metric by metric
| Measure | Local Bank | Ameristate Bank |
|---|---|---|
| TellerScore | 66 (stronger) | 57 |
| Capital cushion | 64 (stronger) | 45 |
| Loan quality | 83 (stronger) | 44 |
| Earnings | 34 | 75 (stronger) |
| Funding & liquidity | 69 | 77 (stronger) |
| Problem-loan coverage | 93 (stronger) | 63 |
| Peer percentile | 31st | 14th |
| Total assets | $463.1M | $477.7M |
| Deposits / shares | $382.6M | $426.4M |
| Capital ratio | 11.35% (stronger) | 9.55% |
| Problem loans | 0.52% (stronger) | 1.67% |
| Net charge-offs | 0.05% | -0.01% (stronger) |
| Return on assets | 0.34% | 1.37% (stronger) |
| Loans ÷ deposits | 91.0% | 79.3% (stronger) |
| Uninsured deposits | 14.4% (stronger) | 18.0% |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.6% |
Local Bank has the higher TellerScore (66 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Local Bank leads on 4 and Ameristate Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.