Side-by-side · Q2 2026 data
Southern Michigan Bank & Trust vs The Campbell & Fetter Bank
Metric by metric
| Measure | Southern Michigan Bank & Trust | The Campbell & Fetter Bank |
|---|---|---|
| TellerScore | 56 | 71 (stronger) |
| Capital cushion | 40 | 50 (stronger) |
| Loan quality | 69 | 100 (stronger) |
| Earnings | 54 (stronger) | 53 |
| Funding & liquidity | 50 | 68 (stronger) |
| Problem-loan coverage | 84 | 100 (stronger) |
| Peer percentile | 15th | 47th |
| Total assets | $1.7B | $355.0M |
| Deposits / shares | $1.4B | $285.6M |
| Capital ratio | 9.04% | 10.00% (stronger) |
| Problem loans | 0.92% | 0.00% (stronger) |
| Net charge-offs | 0.13% | -0.01% (stronger) |
| Return on assets | 0.85% (stronger) | 0.83% |
| Loans ÷ deposits | 89.9% | 82.8% (stronger) |
| Uninsured deposits | 33.6% | 22.9% (stronger) |
| Offices | 17 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.3% | 7.8% |
The Campbell & Fetter Bank has the higher TellerScore (71 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Southern Michigan Bank & Trust leads on 1 and The Campbell & Fetter Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.