Side-by-side · Q2 2026 data
State Savings Bank vs West Shore Bank
Metric by metric
| Measure | State Savings Bank | West Shore Bank |
|---|---|---|
| TellerScore | 61 (stronger) | 56 |
| Capital cushion | 38 | 48 (stronger) |
| Loan quality | 93 (stronger) | 59 |
| Earnings | 34 | 53 (stronger) |
| Funding & liquidity | 67 (stronger) | 56 |
| Problem-loan coverage | 97 (stronger) | 81 |
| Peer percentile | 20th | 13th |
| Total assets | $431.2M | $833.6M |
| Deposits / shares | $391.6M | $720.2M |
| Capital ratio | 8.79% | 9.85% (stronger) |
| Problem loans | 0.20% (stronger) | 1.24% |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 0.35% | 0.83% (stronger) |
| Loans ÷ deposits | 82.6% (stronger) | 90.7% |
| Uninsured deposits | 24.9% (stronger) | 27.3% |
| Offices | 8 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | — |
State Savings Bank has the higher TellerScore (61 vs 56). On the 7 directional measures above (where higher or lower is clearly better), State Savings Bank leads on 5 and West Shore Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Traverse City, MI
- Frankfort, MI