Side-by-side · Q2 2026 data
Perennial Bank vs State Bank of Fairmont
Metric by metric
| Measure | Perennial Bank | State Bank of Fairmont |
|---|---|---|
| TellerScore | 63 (stronger) | 61 |
| Capital cushion | 45 | 54 (stronger) |
| Loan quality | 55 (stronger) | 32 |
| Earnings | 60 | 89 (stronger) |
| Funding & liquidity | 100 (stronger) | 76 |
| Problem-loan coverage | 87 (stronger) | 74 |
| Peer percentile | 24th | 20th |
| Total assets | $158.1M | $154.2M |
| Deposits / shares | $144.6M | $139.1M |
| Capital ratio | 9.48% | 10.40% (stronger) |
| Problem loans | 1.36% (stronger) | 2.03% |
| Net charge-offs | 0.02% (stronger) | 0.27% |
| Return on assets | 1.00% | 1.74% (stronger) |
| Loans ÷ deposits | 44.6% (stronger) | 75.1% |
| Uninsured deposits | 11.1% (stronger) | 23.5% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Perennial Bank has the higher TellerScore (63 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Perennial Bank leads on 5 and State Bank of Fairmont on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.