Side-by-side · Q2 2026 data
Muenster State Bank vs Spring Hill State Bank
Metric by metric
| Measure | Muenster State Bank | Spring Hill State Bank |
|---|---|---|
| TellerScore | 98 (stronger) | 79 |
| Capital cushion | 98 | 100 (stronger) |
| Loan quality | 100 (stronger) | 69 |
| Earnings | 100 (stronger) | 77 |
| Funding & liquidity | 90 (stronger) | 49 |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 100th | 75th |
| Total assets | $227.0M | $238.5M |
| Deposits / shares | $192.3M | $186.9M |
| Capital ratio | 14.78% | 16.65% (stronger) |
| Problem loans | 0.00% (stronger) | 0.94% |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 2.36% (stronger) | 1.42% |
| Loans ÷ deposits | 42.5% (stronger) | 97.6% |
| Uninsured deposits | 24.1% (stronger) | 27.7% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Muenster State Bank has the higher TellerScore (98 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Muenster State Bank leads on 6 and Spring Hill State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.