Side-by-side · Q2 2026 data
Montrose Savings Bank vs St. Clair County State Bank
Metric by metric
| Measure | Montrose Savings Bank | St. Clair County State Bank |
|---|---|---|
| TellerScore | 97 (stronger) | 87 |
| Capital cushion | 95 (stronger) | 85 |
| Loan quality | 96 (stronger) | 92 |
| Earnings | 100 (stronger) | 94 |
| Funding & liquidity | 100 (stronger) | 69 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 98th | 91st |
| Total assets | $63.2M | $231.8M |
| Deposits / shares | $53.7M | $195.7M |
| Capital ratio | 14.53% (stronger) | 13.51% |
| Problem loans | 0.13% (stronger) | 0.24% |
| Net charge-offs | 0.12% | 0.00% (stronger) |
| Return on assets | 2.86% (stronger) | 1.85% |
| Loans ÷ deposits | 60.4% (stronger) | 90.1% |
| Uninsured deposits | 4.9% (stronger) | 15.8% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Montrose Savings Bank has the higher TellerScore (97 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Montrose Savings Bank leads on 6 and St. Clair County State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.