Side-by-side · Q2 2026 data
State Savings Bank vs Charter Bank
Metric by metric
| Measure | State Savings Bank | Charter Bank |
|---|---|---|
| TellerScore | 58 | 83 (stronger) |
| Capital cushion | 37 | 60 (stronger) |
| Loan quality | 66 | 100 (stronger) |
| Earnings | 70 | 90 (stronger) |
| Funding & liquidity | 51 | 79 (stronger) |
| Problem-loan coverage | 84 | 100 (stronger) |
| Peer percentile | 16th | 84th |
| Total assets | $291.9M | $227.5M |
| Deposits / shares | $222.1M | $203.5M |
| Capital ratio | 8.67% | 11.03% (stronger) |
| Problem loans | 1.02% | 0.00% (stronger) |
| Net charge-offs | 0.52% | 0.00% (stronger) |
| Return on assets | 1.26% | 1.75% (stronger) |
| Loans ÷ deposits | 104.4% | 80.8% (stronger) |
| Uninsured deposits | 19.0% | 13.1% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.0% | 2.0% |
Charter Bank has the higher TellerScore (83 vs 58). On the 7 directional measures above (where higher or lower is clearly better), State Savings Bank leads on 0 and Charter Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.