Side-by-side · Q2 2026 data
Sainte Marie State Bank vs BMO Harris Central National Association
Metric by metric
| Measure | Sainte Marie State Bank | BMO Harris Central National Association |
|---|---|---|
| TellerScore | 76 | 83 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 90 | 100 (stronger) |
| Earnings | 0 | 43 (stronger) |
| Funding & liquidity | 90 (stronger) | 61 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 56th | 73rd |
| Total assets | $23.0M | $8.2M |
| Deposits / shares | $19.2M | $1.0M |
| Capital ratio | 15.83% | 87.50% (stronger) |
| Problem loans | 0.31% | 0.00% (stronger) |
| Net charge-offs | 0.40% | 0.00% (stronger) |
| Return on assets | -0.74% | 0.58% (stronger) |
| Loans ÷ deposits | 46.5% | 0.0% (stronger) |
| Uninsured deposits | 24.1% (stronger) | 50.0% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
BMO Harris Central National Association has the higher TellerScore (83 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Sainte Marie State Bank leads on 1 and BMO Harris Central National Association on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.