Side-by-side · Q2 2026 data
State Bank vs First State Bank of Middlebury
Metric by metric
| Measure | State Bank | First State Bank of Middlebury |
|---|---|---|
| TellerScore | 71 (stronger) | 67 |
| Capital cushion | 69 | 84 (stronger) |
| Loan quality | 96 (stronger) | 48 |
| Earnings | 63 | 84 (stronger) |
| Funding & liquidity | 27 | 35 (stronger) |
| Problem-loan coverage | 98 (stronger) | 81 |
| Peer percentile | 47th | 34th |
| Total assets | $916.1M | $836.2M |
| Deposits / shares | $764.1M | $651.3M |
| Capital ratio | 11.90% | 13.37% (stronger) |
| Problem loans | 0.13% (stronger) | 1.55% |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 1.07% | 1.59% (stronger) |
| Loans ÷ deposits | 91.5% (stronger) | 99.5% |
| Uninsured deposits | 52.2% | 37.8% (stronger) |
| Offices | 11 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.4% | 5.7% |
State Bank has the higher TellerScore (71 vs 67). On the 7 directional measures above (where higher or lower is clearly better), State Bank leads on 3 and First State Bank of Middlebury on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.