Side-by-side · Q2 2026 data
Spencer County Bank vs Community State Bank
Metric by metric
| Measure | Spencer County Bank | Community State Bank |
|---|---|---|
| TellerScore | 58 | 61 (stronger) |
| Capital cushion | 96 (stronger) | 44 |
| Loan quality | 0 | 85 (stronger) |
| Earnings | 51 | 63 (stronger) |
| Funding & liquidity | 79 (stronger) | 32 |
| Problem-loan coverage | 75 | 92 (stronger) |
| Peer percentile | 16th | 20th |
| Total assets | $131.2M | $161.2M |
| Deposits / shares | $111.6M | $135.1M |
| Capital ratio | 14.57% (stronger) | 9.41% |
| Problem loans | 3.00% | 0.44% (stronger) |
| Net charge-offs | 0.01% | -0.03% (stronger) |
| Return on assets | 0.79% | 1.08% (stronger) |
| Loans ÷ deposits | 69.9% (stronger) | 97.3% |
| Uninsured deposits | 25.1% (stronger) | 42.7% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community State Bank has the higher TellerScore (61 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Spencer County Bank leads on 3 and Community State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.