Side-by-side · Q2 2026 data
State Bank vs Town & Country Bank
Metric by metric
| Measure | State Bank | Town & Country Bank |
|---|---|---|
| TellerScore | 52 | 86 (stronger) |
| Capital cushion | 42 | 74 (stronger) |
| Loan quality | 57 | 88 (stronger) |
| Earnings | 36 | 100 (stronger) |
| Funding & liquidity | 84 (stronger) | 83 |
| Problem-loan coverage | 54 | 96 (stronger) |
| Peer percentile | 8th | 90th |
| Total assets | $295.8M | $747.7M |
| Deposits / shares | $267.0M | $642.2M |
| Capital ratio | 9.23% | 12.37% (stronger) |
| Problem loans | 1.28% | 0.35% (stronger) |
| Net charge-offs | 0.66% | 0.00% (stronger) |
| Return on assets | 0.40% | 2.53% (stronger) |
| Loans ÷ deposits | 76.7% (stronger) | 77.3% |
| Uninsured deposits | 11.5% (stronger) | 14.2% |
| Offices | 5 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.3% | 8.5% |
Town & Country Bank has the higher TellerScore (86 vs 52). On the 7 directional measures above (where higher or lower is clearly better), State Bank leads on 2 and Town & Country Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.