Side-by-side · Q2 2026 data
State Bank vs The North Salem State Bank
Metric by metric
| Measure | State Bank | The North Salem State Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 64 |
| Capital cushion | 69 (stronger) | 40 |
| Loan quality | 96 (stronger) | 78 |
| Earnings | 63 | 86 (stronger) |
| Funding & liquidity | 27 | 40 (stronger) |
| Problem-loan coverage | 98 (stronger) | 89 |
| Peer percentile | 47th | 26th |
| Total assets | $916.1M | $769.6M |
| Deposits / shares | $764.1M | $687.9M |
| Capital ratio | 11.90% (stronger) | 8.98% |
| Problem loans | 0.13% (stronger) | 0.67% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.07% | 1.65% (stronger) |
| Loans ÷ deposits | 91.5% | 89.7% (stronger) |
| Uninsured deposits | 52.2% | 43.0% (stronger) |
| Offices | 11 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.4% | 1.9% |
State Bank has the higher TellerScore (71 vs 64). On the 7 directional measures above (where higher or lower is clearly better), State Bank leads on 3 and The North Salem State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.