Side-by-side · Q2 2026 data
Sainte Marie State Bank vs First National Bank in Olney
Metric by metric
| Measure | Sainte Marie State Bank | First National Bank in Olney |
|---|---|---|
| TellerScore | 76 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 90 (stronger) | 47 |
| Earnings | 0 | 68 (stronger) |
| Funding & liquidity | 90 (stronger) | 87 |
| Problem-loan coverage | 99 (stronger) | 86 |
| Peer percentile | 56th | 26th |
| Total assets | $23.0M | $469.3M |
| Deposits / shares | $19.2M | $415.4M |
| Capital ratio | 15.83% (stronger) | 10.83% |
| Problem loans | 0.31% (stronger) | 1.60% |
| Net charge-offs | 0.40% | 0.08% (stronger) |
| Return on assets | -0.74% | 1.20% (stronger) |
| Loans ÷ deposits | 46.5% (stronger) | 54.9% |
| Uninsured deposits | 24.1% (stronger) | 26.8% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sainte Marie State Bank has the higher TellerScore (76 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Sainte Marie State Bank leads on 5 and First National Bank in Olney on 2. 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.