Side-by-side · Q2 2026 data
St. Clair County State Bank vs Mid-Missouri Bank
Metric by metric
| Measure | St. Clair County State Bank | Mid-Missouri Bank |
|---|---|---|
| TellerScore | 87 (stronger) | 80 |
| Capital cushion | 85 (stronger) | 58 |
| Loan quality | 92 | 98 (stronger) |
| Earnings | 94 (stronger) | 85 |
| Funding & liquidity | 69 | 74 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 91st | 77th |
| Total assets | $231.8M | $946.7M |
| Deposits / shares | $195.7M | $844.3M |
| Capital ratio | 13.51% (stronger) | 10.80% |
| Problem loans | 0.24% | 0.07% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 1.85% (stronger) | 1.63% |
| Loans ÷ deposits | 90.1% | 79.6% (stronger) |
| Uninsured deposits | 15.8% (stronger) | 20.7% |
| Offices | 3 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Clair County State Bank has the higher TellerScore (87 vs 80). On the 7 directional measures above (where higher or lower is clearly better), St. Clair County State Bank leads on 5 and Mid-Missouri Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.