Side-by-side · Q2 2026 data
State Bank of Schaller vs Defiance State Bank
Metric by metric
| Measure | State Bank of Schaller | Defiance State Bank |
|---|---|---|
| TellerScore | 59 | 68 (stronger) |
| Capital cushion | 83 (stronger) | 49 |
| Loan quality | 0 | 97 (stronger) |
| Earnings | 52 (stronger) | 49 |
| Funding & liquidity | 100 (stronger) | 65 |
| Problem-loan coverage | 87 | 99 (stronger) |
| Peer percentile | 18th | 33rd |
| Total assets | $40.6M | $42.6M |
| Deposits / shares | $34.9M | $33.5M |
| Capital ratio | 13.27% (stronger) | 9.86% |
| Problem loans | 3.69% | 0.08% (stronger) |
| Net charge-offs | 1.20% | 0.00% (stronger) |
| Return on assets | 0.81% (stronger) | 0.71% |
| Loans ÷ deposits | 28.6% (stronger) | 95.3% |
| Uninsured deposits | 0.5% (stronger) | 8.9% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Defiance State Bank has the higher TellerScore (68 vs 59). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Schaller leads on 4 and Defiance State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.