Side-by-side · Q2 2026 data
Murphy Bank vs Community Bank of Santa Maria
Metric by metric
| Measure | Murphy Bank | Community Bank of Santa Maria |
|---|---|---|
| TellerScore | 88 (stronger) | 72 |
| Capital cushion | 99 (stronger) | 55 |
| Loan quality | 87 | 95 (stronger) |
| Earnings | 100 (stronger) | 63 |
| Funding & liquidity | 49 | 63 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 92nd | 50th |
| Total assets | $357.2M | $396.5M |
| Deposits / shares | $296.9M | $350.4M |
| Capital ratio | 14.89% (stronger) | 10.49% |
| Problem loans | 0.39% | 0.15% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 2.46% (stronger) | 1.07% |
| Loans ÷ deposits | 101.3% | 83.5% (stronger) |
| Uninsured deposits | 23.6% (stronger) | 27.0% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Murphy Bank has the higher TellerScore (88 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Murphy Bank leads on 4 and Community Bank of Santa Maria on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.