Side-by-side · Q2 2026 data
Somerville Bank vs Miami Savings Bank
Metric by metric
| Measure | Somerville Bank | Miami Savings Bank |
|---|---|---|
| TellerScore | 60 | 83 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 63 | 86 (stronger) |
| Earnings | 50 | 59 (stronger) |
| Funding & liquidity | 84 (stronger) | 66 |
| Problem-loan coverage | 83 | 97 (stronger) |
| Peer percentile | 19th | 84th |
| Total assets | $290.6M | $148.3M |
| Deposits / shares | $260.7M | $114.9M |
| Capital ratio | 9.54% | 23.18% (stronger) |
| Problem loans | 1.10% | 0.43% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.74% | 0.97% (stronger) |
| Loans ÷ deposits | 75.9% (stronger) | 93.8% |
| Uninsured deposits | 11.0% (stronger) | 11.7% |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.0% | — |
Miami Savings Bank has the higher TellerScore (83 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Somerville Bank leads on 2 and Miami Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.