Side-by-side · Q2 2026 data
State Bank & Trust Co. vs Keystone Savings Bank
Metric by metric
| Measure | State Bank & Trust Co. | Keystone Savings Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 60 |
| Capital cushion | 60 | 63 (stronger) |
| Loan quality | 57 (stronger) | 52 |
| Earnings | 78 (stronger) | 40 |
| Funding & liquidity | 88 (stronger) | 81 |
| Problem-loan coverage | 87 (stronger) | 84 |
| Peer percentile | 43rd | 19th |
| Total assets | $197.6M | $200.8M |
| Deposits / shares | $174.3M | $168.7M |
| Capital ratio | 11.03% | 11.29% (stronger) |
| Problem loans | 1.30% (stronger) | 1.44% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.44% (stronger) | 0.50% |
| Loans ÷ deposits | 58.3% (stronger) | 73.7% |
| Uninsured deposits | 25.7% | 20.5% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.1% |
State Bank & Trust Co. has the higher TellerScore (70 vs 60). On the 7 directional measures above (where higher or lower is clearly better), State Bank & Trust Co. leads on 5 and Keystone Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.