Side-by-side · Q2 2026 data
Scott State Bank vs Hickory Point Bank and Trust
Metric by metric
| Measure | Scott State Bank | Hickory Point Bank and Trust |
|---|---|---|
| TellerScore | 86 (stronger) | 77 |
| Capital cushion | 87 (stronger) | 60 |
| Loan quality | 92 | 94 (stronger) |
| Earnings | 65 | 69 (stronger) |
| Funding & liquidity | 92 (stronger) | 80 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 90th | 68th |
| Total assets | $203.5M | $717.5M |
| Deposits / shares | $178.0M | $626.8M |
| Capital ratio | 13.67% (stronger) | 11.04% |
| Problem loans | 0.24% | 0.18% (stronger) |
| Net charge-offs | 0.03% | -0.00% (stronger) |
| Return on assets | 1.12% | 1.22% (stronger) |
| Loans ÷ deposits | 65.5% (stronger) | 69.0% |
| Uninsured deposits | 17.9% (stronger) | 25.1% |
| Offices | 7 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.4% | 5.9% |
Scott State Bank has the higher TellerScore (86 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Scott State Bank leads on 4 and Hickory Point Bank and Trust on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.