Side-by-side · Q2 2026 data
State Bank of Scotia vs Cedar Security Bank
Metric by metric
| Measure | State Bank of Scotia | Cedar Security Bank |
|---|---|---|
| TellerScore | 59 | 87 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 68 (stronger) |
| Earnings | 36 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 70 |
| Problem-loan coverage | 67 | 94 (stronger) |
| Peer percentile | 18th | 84th |
| Total assets | $61.0M | $62.1M |
| Deposits / shares | $48.6M | $49.0M |
| Capital ratio | 19.87% (stronger) | 18.04% |
| Problem loans | 7.84% | 0.96% (stronger) |
| Net charge-offs | 0.22% | -0.38% (stronger) |
| Return on assets | 0.40% | 2.01% (stronger) |
| Loans ÷ deposits | 53.7% (stronger) | 74.3% |
| Uninsured deposits | 14.2% (stronger) | 28.8% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cedar Security Bank has the higher TellerScore (87 vs 59). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Scotia leads on 3 and Cedar Security Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.