Side-by-side · Q2 2026 data
Spencer County Bank vs First State Bank of Porter
Metric by metric
| Measure | Spencer County Bank | First State Bank of Porter |
|---|---|---|
| TellerScore | 58 | 90 (stronger) |
| Capital cushion | 96 | 100 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 51 | 54 (stronger) |
| Funding & liquidity | 79 | 96 (stronger) |
| Problem-loan coverage | 75 | 100 (stronger) |
| Peer percentile | 16th | 95th |
| Total assets | $131.2M | $162.3M |
| Deposits / shares | $111.6M | $138.2M |
| Capital ratio | 14.57% | 16.80% (stronger) |
| Problem loans | 3.00% | 0.00% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.01% |
| Return on assets | 0.79% | 0.85% (stronger) |
| Loans ÷ deposits | 69.9% | 54.2% (stronger) |
| Uninsured deposits | 25.1% | 19.0% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.3% |
First State Bank of Porter has the higher TellerScore (90 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Spencer County Bank leads on 1 and First State Bank of Porter on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.