Side-by-side · Q2 2026 data
State Bank of Cherry vs North Central Bank
Metric by metric
| Measure | State Bank of Cherry | North Central Bank |
|---|---|---|
| TellerScore | 72 | 82 (stronger) |
| Capital cushion | 66 | 73 (stronger) |
| Loan quality | 83 | 91 (stronger) |
| Earnings | 56 | 73 (stronger) |
| Funding & liquidity | 72 | 86 (stronger) |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 50th | 82nd |
| Total assets | $137.6M | $165.9M |
| Deposits / shares | $105.5M | $144.7M |
| Capital ratio | 11.63% | 12.26% (stronger) |
| Problem loans | 0.50% | 0.26% (stronger) |
| Net charge-offs | 1.09% | -0.00% (stronger) |
| Return on assets | 0.89% | 1.33% (stronger) |
| Loans ÷ deposits | 87.1% | 58.5% (stronger) |
| Uninsured deposits | 16.2% (stronger) | 27.6% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
North Central Bank has the higher TellerScore (82 vs 72). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Cherry leads on 1 and North Central Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.