Side-by-side · Q2 2026 data
Montezuma State Bank vs Chelsea Savings Bank
Metric by metric
| Measure | Montezuma State Bank | Chelsea Savings Bank |
|---|---|---|
| TellerScore | 68 | 93 (stronger) |
| Capital cushion | 99 | 100 (stronger) |
| Loan quality | 0 | 92 (stronger) |
| Earnings | 90 | 90 |
| Funding & liquidity | 92 (stronger) | 84 |
| Problem-loan coverage | 63 | 98 (stronger) |
| Peer percentile | 33rd | 98th |
| Total assets | $54.6M | $196.9M |
| Deposits / shares | $46.2M | $173.8M |
| Capital ratio | 14.87% | 16.01% (stronger) |
| Problem loans | 6.94% | 0.24% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.00% |
| Return on assets | 1.75% | 1.75% (stronger) |
| Loans ÷ deposits | 48.8% | 48.2% (stronger) |
| Uninsured deposits | 22.3% (stronger) | 29.8% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Chelsea Savings Bank has the higher TellerScore (93 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Montezuma State Bank leads on 2 and Chelsea Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.