Side-by-side · Q2 2026 data
State Bank vs The Fountain Trust Company
Metric by metric
| Measure | State Bank | The Fountain Trust Company |
|---|---|---|
| TellerScore | 71 (stronger) | 69 |
| Capital cushion | 69 (stronger) | 50 |
| Loan quality | 96 (stronger) | 79 |
| Earnings | 63 (stronger) | 62 |
| Funding & liquidity | 27 | 85 (stronger) |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 47th | 40th |
| Total assets | $916.1M | $844.6M |
| Deposits / shares | $764.1M | $744.1M |
| Capital ratio | 11.90% (stronger) | 9.99% |
| Problem loans | 0.13% (stronger) | 0.63% |
| Net charge-offs | 0.01% (stronger) | 0.09% |
| Return on assets | 1.07% (stronger) | 1.04% |
| Loans ÷ deposits | 91.5% | 69.0% (stronger) |
| Uninsured deposits | 52.2% | 20.7% (stronger) |
| Offices | 11 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.4% | 23.8% |
State Bank has the higher TellerScore (71 vs 69). On the 7 directional measures above (where higher or lower is clearly better), State Bank leads on 5 and The Fountain Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.