Side-by-side · Q2 2026 data
State Bank of Industry vs North County Savings Bank
Metric by metric
| Measure | State Bank of Industry | North County Savings Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 68 |
| Capital cushion | 92 (stronger) | 35 |
| Loan quality | 85 | 100 (stronger) |
| Earnings | 69 (stronger) | 37 |
| Funding & liquidity | 89 | 100 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 81st | 33rd |
| Total assets | $64.3M | $63.2M |
| Deposits / shares | $55.6M | $57.9M |
| Capital ratio | 14.21% (stronger) | 8.45% |
| Problem loans | 0.44% | 0.00% (stronger) |
| Net charge-offs | 0.09% | 0.04% (stronger) |
| Return on assets | 1.23% (stronger) | 0.42% |
| Loans ÷ deposits | 68.0% | 48.9% (stronger) |
| Uninsured deposits | 17.7% | 4.4% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Bank of Industry has the higher TellerScore (86 vs 68). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Industry leads on 3 and North County Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.