Side-by-side · Q2 2026 data
Security State Bank vs Sovereign Bank
Metric by metric
| Measure | Security State Bank | Sovereign Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 64 |
| Capital cushion | 57 (stronger) | 53 |
| Loan quality | 78 | 98 (stronger) |
| Earnings | 100 (stronger) | 45 |
| Funding & liquidity | 74 (stronger) | 28 |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 68th | 33rd |
| Total assets | $279.5M | $1.5B |
| Deposits / shares | $247.9M | $1.2B |
| Capital ratio | 10.73% (stronger) | 10.29% |
| Problem loans | 0.67% | 0.06% (stronger) |
| Net charge-offs | 0.05% | -0.00% (stronger) |
| Return on assets | 2.14% (stronger) | 0.63% |
| Loans ÷ deposits | 68.9% (stronger) | 99.7% |
| Uninsured deposits | 30.2% (stronger) | 44.8% |
| Offices | 3 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.9% |
Security State Bank has the higher TellerScore (77 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Security State Bank leads on 5 and Sovereign Bank 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.