Side-by-side · Q2 2026 data
Massena Savings and Loan vs Alpine Capital Bank
Metric by metric
| Measure | Massena Savings and Loan | Alpine Capital Bank |
|---|---|---|
| TellerScore | 73 | 77 (stronger) |
| Capital cushion | 100 (stronger) | 87 |
| Loan quality | 57 | 100 (stronger) |
| Earnings | 63 (stronger) | 47 |
| Funding & liquidity | 50 (stronger) | 43 |
| Problem-loan coverage | 83 | 100 (stronger) |
| Peer percentile | 53rd | 68th |
| Total assets | $199.9M | $237.3M |
| Deposits / shares | $148.2M | $201.0M |
| Capital ratio | 15.15% (stronger) | 13.74% |
| Problem loans | 1.30% | 0.00% (stronger) |
| Net charge-offs | 0.11% | 0.00% (stronger) |
| Return on assets | 1.09% (stronger) | 0.68% |
| Loans ÷ deposits | 121.7% | 67.5% (stronger) |
| Uninsured deposits | 12.8% (stronger) | 62.0% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alpine Capital Bank has the higher TellerScore (77 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Massena Savings and Loan leads on 3 and Alpine Capital Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.