Side-by-side · Q2 2026 data
State Savings Bank vs Community Bank and Trust Company
Metric by metric
| Measure | State Savings Bank | Community Bank and Trust Company |
|---|---|---|
| TellerScore | 58 | 73 (stronger) |
| Capital cushion | 37 (stronger) | 33 |
| Loan quality | 66 | 97 (stronger) |
| Earnings | 70 | 85 (stronger) |
| Funding & liquidity | 51 | 80 (stronger) |
| Problem-loan coverage | 84 | 99 (stronger) |
| Peer percentile | 16th | 53rd |
| Total assets | $291.9M | $303.5M |
| Deposits / shares | $222.1M | $280.3M |
| Capital ratio | 8.67% (stronger) | 8.28% |
| Problem loans | 1.02% | 0.08% (stronger) |
| Net charge-offs | 0.52% | 0.02% (stronger) |
| Return on assets | 1.26% | 1.62% (stronger) |
| Loans ÷ deposits | 104.4% | 68.8% (stronger) |
| Uninsured deposits | 19.0% (stronger) | 25.1% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.0% | — |
Community Bank and Trust Company has the higher TellerScore (73 vs 58). On the 7 directional measures above (where higher or lower is clearly better), State Savings Bank leads on 2 and Community Bank and Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.