Side-by-side · Q2 2026 data
National Bank & Trust vs Spring Hill State Bank
Metric by metric
| Measure | National Bank & Trust | Spring Hill State Bank |
|---|---|---|
| TellerScore | 72 | 79 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 94 (stronger) | 69 |
| Earnings | 37 | 77 (stronger) |
| Funding & liquidity | 90 (stronger) | 49 |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 50th | 75th |
| Total assets | $242.0M | $238.5M |
| Deposits / shares | $203.5M | $186.9M |
| Capital ratio | 10.83% | 16.65% (stronger) |
| Problem loans | 0.17% (stronger) | 0.94% |
| Net charge-offs | 0.01% (stronger) | 0.04% |
| Return on assets | 0.43% | 1.42% (stronger) |
| Loans ÷ deposits | 65.2% (stronger) | 97.6% |
| Uninsured deposits | 19.8% (stronger) | 27.7% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spring Hill State Bank has the higher TellerScore (79 vs 72). On the 7 directional measures above (where higher or lower is clearly better), National Bank & Trust leads on 4 and Spring Hill State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.