Side-by-side · Q2 2026 data
Mount Vernon Bank and Trust Company vs State Bank & Trust Co.
Metric by metric
| Measure | Mount Vernon Bank and Trust Company | State Bank & Trust Co. |
|---|---|---|
| TellerScore | 82 (stronger) | 70 |
| Capital cushion | 80 (stronger) | 60 |
| Loan quality | 93 (stronger) | 57 |
| Earnings | 72 | 78 (stronger) |
| Funding & liquidity | 70 | 88 (stronger) |
| Problem-loan coverage | 98 (stronger) | 87 |
| Peer percentile | 82nd | 43rd |
| Total assets | $195.5M | $197.6M |
| Deposits / shares | $165.7M | $174.3M |
| Capital ratio | 13.03% (stronger) | 11.03% |
| Problem loans | 0.21% (stronger) | 1.30% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.30% | 1.44% (stronger) |
| Loans ÷ deposits | 83.0% | 58.3% (stronger) |
| Uninsured deposits | 21.7% (stronger) | 25.7% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.7% | — |
Mount Vernon Bank and Trust Company has the higher TellerScore (82 vs 70). On the 6 directional measures above (where higher or lower is clearly better), Mount Vernon Bank and Trust Company leads on 4 and State Bank & Trust Co. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.