Side-by-side · Q2 2026 data
State Bank of Scotia vs Sidney Federal Savings and Loan Association
Bank
Sidney Federal Savings and Loan Association
Sidney, Nebraska · Under $100 million in assets
Metric by metric
| Measure | State Bank of Scotia | Sidney Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 59 | 73 (stronger) |
| Capital cushion | 100 (stronger) | 92 |
| Loan quality | 0 | 33 (stronger) |
| Earnings | 36 | 91 (stronger) |
| Funding & liquidity | 100 (stronger) | 62 |
| Problem-loan coverage | 67 | 92 (stronger) |
| Peer percentile | 18th | 48th |
| Total assets | $61.0M | $55.6M |
| Deposits / shares | $48.6M | $44.6M |
| Capital ratio | 19.87% (stronger) | 14.21% |
| Problem loans | 7.84% | 2.00% (stronger) |
| Net charge-offs | 0.22% | 0.03% (stronger) |
| Return on assets | 0.40% | 1.78% (stronger) |
| Loans ÷ deposits | 53.7% | 34.5% (stronger) |
| Uninsured deposits | 14.2% (stronger) | 49.1% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sidney Federal Savings and Loan Association has the higher TellerScore (73 vs 59). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Scotia leads on 2 and Sidney Federal Savings and Loan Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.