Side-by-side · Q2 2026 data
State Bank & Trust Company vs Vermilion Bank & Trust Company
Metric by metric
| Measure | State Bank & Trust Company | Vermilion Bank & Trust Company |
|---|---|---|
| TellerScore | 74 (stronger) | 72 |
| Capital cushion | 56 | 76 (stronger) |
| Loan quality | 85 (stronger) | 28 |
| Earnings | 80 | 94 (stronger) |
| Funding & liquidity | 73 | 97 (stronger) |
| Problem-loan coverage | 93 (stronger) | 84 |
| Peer percentile | 57th | 50th |
| Total assets | $165.1M | $145.5M |
| Deposits / shares | $145.3M | $126.1M |
| Capital ratio | 10.63% | 12.55% (stronger) |
| Problem loans | 0.46% (stronger) | 2.17% |
| Net charge-offs | -0.05% (stronger) | 0.03% |
| Return on assets | 1.50% | 1.84% (stronger) |
| Loans ÷ deposits | 78.8% | 54.4% (stronger) |
| Uninsured deposits | 22.4% | 18.1% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Bank & Trust Company has the higher TellerScore (74 vs 72). On the 7 directional measures above (where higher or lower is clearly better), State Bank & Trust Company leads on 3 and Vermilion Bank & Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.