Side-by-side · Q2 2026 data
Spring Hill State Bank vs Cypress Bank, SSB
Metric by metric
| Measure | Spring Hill State Bank | Cypress Bank, SSB |
|---|---|---|
| TellerScore | 79 (stronger) | 59 |
| Capital cushion | 100 (stronger) | 64 |
| Loan quality | 69 (stronger) | 39 |
| Earnings | 77 (stronger) | 44 |
| Funding & liquidity | 49 | 88 (stronger) |
| Problem-loan coverage | 92 (stronger) | 77 |
| Peer percentile | 75th | 17th |
| Total assets | $238.5M | $235.5M |
| Deposits / shares | $186.9M | $192.9M |
| Capital ratio | 16.65% (stronger) | 11.44% |
| Problem loans | 0.94% (stronger) | 1.84% |
| Net charge-offs | 0.04% (stronger) | 0.06% |
| Return on assets | 1.42% (stronger) | 0.59% |
| Loans ÷ deposits | 97.6% | 72.1% (stronger) |
| Uninsured deposits | 27.7% | 9.2% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spring Hill State Bank has the higher TellerScore (79 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Spring Hill State Bank leads on 5 and Cypress Bank, SSB on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.