Side-by-side · Q2 2026 data
Somerville Bank vs SSB Community Bank
Metric by metric
| Measure | Somerville Bank | SSB Community Bank |
|---|---|---|
| TellerScore | 60 | 67 (stronger) |
| Capital cushion | 45 (stronger) | 24 |
| Loan quality | 63 | 95 (stronger) |
| Earnings | 50 | 83 (stronger) |
| Funding & liquidity | 84 (stronger) | 62 |
| Problem-loan coverage | 83 | 97 (stronger) |
| Peer percentile | 19th | 34th |
| Total assets | $290.6M | $296.8M |
| Deposits / shares | $260.7M | $262.3M |
| Capital ratio | 9.54% (stronger) | 7.36% |
| Problem loans | 1.10% | 0.14% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.74% | 1.57% (stronger) |
| Loans ÷ deposits | 75.9% (stronger) | 98.7% |
| Uninsured deposits | 11.0% (stronger) | 11.5% |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.0% | — |
SSB Community Bank has the higher TellerScore (67 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Somerville Bank leads on 3 and SSB Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.