Side-by-side · Q2 2026 data
Peoples State Bank vs Richland County Bank
Metric by metric
| Measure | Peoples State Bank | Richland County Bank |
|---|---|---|
| TellerScore | 80 | 96 (stronger) |
| Capital cushion | 65 | 100 (stronger) |
| Loan quality | 93 | 100 (stronger) |
| Earnings | 79 | 81 (stronger) |
| Funding & liquidity | 78 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 77th | 99th |
| Total assets | $993.0M | $114.1M |
| Deposits / shares | $810.8M | $96.0M |
| Capital ratio | 11.54% | 17.77% (stronger) |
| Problem loans | 0.21% | 0.00% (stronger) |
| Net charge-offs | -0.04% (stronger) | -0.00% |
| Return on assets | 1.47% | 1.51% (stronger) |
| Loans ÷ deposits | 78.6% | 51.3% (stronger) |
| Uninsured deposits | 18.1% | 12.5% (stronger) |
| Offices | 19 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.2% | — |
Richland County Bank has the higher TellerScore (96 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Peoples State Bank leads on 1 and Richland County Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.