Side-by-side · Q2 2026 data
Southern Michigan Bank & Trust vs The Dart Bank
Metric by metric
| Measure | Southern Michigan Bank & Trust | The Dart Bank |
|---|---|---|
| TellerScore | 56 (stronger) | 46 |
| Capital cushion | 40 (stronger) | 36 |
| Loan quality | 69 (stronger) | 42 |
| Earnings | 54 | 59 (stronger) |
| Funding & liquidity | 50 (stronger) | 41 |
| Problem-loan coverage | 84 (stronger) | 68 |
| Peer percentile | 15th | 5th |
| Total assets | $1.7B | $1.5B |
| Deposits / shares | $1.4B | $1.3B |
| Capital ratio | 9.04% (stronger) | 8.65% |
| Problem loans | 0.92% (stronger) | 1.75% |
| Net charge-offs | 0.13% | 0.07% (stronger) |
| Return on assets | 0.85% | 0.97% (stronger) |
| Loans ÷ deposits | 89.9% (stronger) | 91.0% |
| Uninsured deposits | 33.6% (stronger) | 40.5% |
| Offices | 17 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.3% | — |
Southern Michigan Bank & Trust has the higher TellerScore (56 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Southern Michigan Bank & Trust leads on 5 and The Dart Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.