Side-by-side · Q2 2026 data
Scott State Bank vs Williamsville State Bank & Trust
Metric by metric
| Measure | Scott State Bank | Williamsville State Bank & Trust |
|---|---|---|
| TellerScore | 86 (stronger) | 73 |
| Capital cushion | 87 | 95 (stronger) |
| Loan quality | 92 (stronger) | 65 |
| Earnings | 65 (stronger) | 19 |
| Funding & liquidity | 92 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 90th | 48th |
| Total assets | $203.5M | $93.8M |
| Deposits / shares | $178.0M | $83.0M |
| Capital ratio | 13.67% | 14.53% (stronger) |
| Problem loans | 0.24% (stronger) | 1.04% |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.12% (stronger) | -0.03% |
| Loans ÷ deposits | 65.5% | 29.2% (stronger) |
| Uninsured deposits | 17.9% | 12.9% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.4% | 2.7% |
Scott State Bank has the higher TellerScore (86 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Scott State Bank leads on 3 and Williamsville State Bank & Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.