Side-by-side · Q2 2026 data
Peoples State Bank vs Somerville Bank
Metric by metric
| Measure | Peoples State Bank | Somerville Bank |
|---|---|---|
| TellerScore | 61 (stronger) | 60 |
| Capital cushion | 33 | 45 (stronger) |
| Loan quality | 80 (stronger) | 63 |
| Earnings | 60 (stronger) | 50 |
| Funding & liquidity | 65 | 84 (stronger) |
| Problem-loan coverage | 89 (stronger) | 83 |
| Peer percentile | 20th | 19th |
| Total assets | $286.5M | $290.6M |
| Deposits / shares | $256.8M | $260.7M |
| Capital ratio | 8.32% | 9.54% (stronger) |
| Problem loans | 0.60% (stronger) | 1.10% |
| Net charge-offs | 0.01% | 0.01% (stronger) |
| Return on assets | 0.99% (stronger) | 0.74% |
| Loans ÷ deposits | 87.8% | 75.9% (stronger) |
| Uninsured deposits | 21.4% | 11.0% (stronger) |
| Offices | 6 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.9% | 9.0% |
Peoples State Bank has the higher TellerScore (61 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Peoples State Bank leads on 3 and Somerville Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.