Side-by-side · Q2 2026 data
State Central Bank vs Bank of Monticello
Metric by metric
| Measure | State Central Bank | Bank of Monticello |
|---|---|---|
| TellerScore | 84 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 69 |
| Loan quality | 63 (stronger) | 23 |
| Earnings | 83 | 100 (stronger) |
| Funding & liquidity | 83 (stronger) | 82 |
| Problem-loan coverage | 93 (stronger) | 73 |
| Peer percentile | 76th | 31st |
| Total assets | $63.2M | $159.0M |
| Deposits / shares | $50.6M | $140.4M |
| Capital ratio | 16.11% (stronger) | 11.95% |
| Problem loans | 1.11% (stronger) | 2.32% |
| Net charge-offs | 0.02% | -0.01% (stronger) |
| Return on assets | 1.57% | 2.21% (stronger) |
| Loans ÷ deposits | 71.7% (stronger) | 72.2% |
| Uninsured deposits | 20.4% | 20.3% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Central Bank has the higher TellerScore (84 vs 66). On the 7 directional measures above (where higher or lower is clearly better), State Central Bank leads on 4 and Bank of Monticello on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.