Side-by-side · Q2 2026 data
Republic Bank & Trust Company vs Gallatin Steam Plant Credit Union
Credit union
Gallatin Steam Plant Credit Union
Gallatin, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Republic Bank & Trust Company | Gallatin Steam Plant Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 65 |
| Capital cushion | 98 | 100 (stronger) |
| Loan quality | 81 (stronger) | 15 |
| Earnings | 100 (stronger) | 44 |
| Funding & liquidity | 31 | 93 (stronger) |
| Problem-loan coverage | 95 (stronger) | 84 |
| Peer percentile | 95th | 30th |
| Total assets | $7.1B | $8.1M |
| Deposits / shares | $5.6B | $6.7M |
| Capital ratio | 14.82% | 16.96% (stronger) |
| Problem loans | 0.56% (stronger) | 2.55% |
| Net charge-offs | 0.46% (stronger) | 0.61% |
| Return on assets | 2.13% (stronger) | 0.59% |
| Loans ÷ deposits | 95.7% | 67.4% (stronger) |
| Uninsured deposits | 45.6% | 1.0% (stronger) |
| Offices | 47 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.6% | — |
Republic Bank & Trust Company has the higher TellerScore (84 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Republic Bank & Trust Company leads on 4 and Gallatin Steam Plant Credit Union on 3. 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.