Side-by-side · Q2 2026 data
Springfield State Bank vs Town & Country Bank and Trust Company
Metric by metric
| Measure | Springfield State Bank | Town & Country Bank and Trust Company |
|---|---|---|
| TellerScore | 79 | 82 (stronger) |
| Capital cushion | 90 (stronger) | 77 |
| Loan quality | 81 | 86 (stronger) |
| Earnings | 60 | 79 (stronger) |
| Funding & liquidity | 70 | 83 (stronger) |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 75th | 82nd |
| Total assets | $486.9M | $433.7M |
| Deposits / shares | $388.4M | $378.0M |
| Capital ratio | 14.04% (stronger) | 12.75% |
| Problem loans | 0.56% | 0.42% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.01% | 1.47% (stronger) |
| Loans ÷ deposits | 86.2% | 74.8% (stronger) |
| Uninsured deposits | 19.3% | 17.1% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Town & Country Bank and Trust Company has the higher TellerScore (82 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Springfield State Bank leads on 2 and Town & Country Bank and Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.