Side-by-side · Q2 2026 data
Midstates Bank, National Association vs Clear Lake Bank and Trust Company
Metric by metric
| Measure | Midstates Bank, National Association | Clear Lake Bank and Trust Company |
|---|---|---|
| TellerScore | 79 (stronger) | 75 |
| Capital cushion | 66 (stronger) | 35 |
| Loan quality | 90 | 100 (stronger) |
| Earnings | 80 | 98 (stronger) |
| Funding & liquidity | 70 (stronger) | 64 |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 75th | 61st |
| Total assets | $653.9M | $649.3M |
| Deposits / shares | $570.2M | $585.0M |
| Capital ratio | 11.60% (stronger) | 8.53% |
| Problem loans | 0.29% | 0.00% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.02% |
| Return on assets | 1.49% | 1.94% (stronger) |
| Loans ÷ deposits | 73.7% (stronger) | 83.5% |
| Uninsured deposits | 30.2% | 26.2% (stronger) |
| Offices | 10 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.0% | — |
Midstates Bank, National Association has the higher TellerScore (79 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Midstates Bank, National Association leads on 4 and Clear Lake Bank and Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.