Side-by-side · Q2 2026 data
State Bank of India (California) vs US Metro Bank
Metric by metric
| Measure | State Bank of India (California) | US Metro Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 52 |
| Capital cushion | 90 (stronger) | 54 |
| Loan quality | 63 (stronger) | 49 |
| Earnings | 64 (stronger) | 60 |
| Funding & liquidity | 31 (stronger) | 30 |
| Problem-loan coverage | 87 (stronger) | 73 |
| Peer percentile | 53rd | 9th |
| Total assets | $1.4B | $1.6B |
| Deposits / shares | $1.2B | $1.4B |
| Capital ratio | 14.05% (stronger) | 10.42% |
| Problem loans | 1.11% (stronger) | 1.54% |
| Net charge-offs | 0.01% (stronger) | 0.38% |
| Return on assets | 1.10% (stronger) | 1.01% |
| Loans ÷ deposits | 98.8% | 94.2% (stronger) |
| Uninsured deposits | 42.2% (stronger) | 47.7% |
| Offices | 8 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Bank of India (California) has the higher TellerScore (69 vs 52). On the 7 directional measures above (where higher or lower is clearly better), State Bank of India (California) leads on 6 and US Metro Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.