Side-by-side · Q2 2026 data
Surety Bank vs Madison County Community Bank
Metric by metric
| Measure | Surety Bank | Madison County Community Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 66 |
| Capital cushion | 82 (stronger) | 34 |
| Loan quality | 93 (stronger) | 90 |
| Earnings | 100 (stronger) | 53 |
| Funding & liquidity | 85 | 88 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 95th | 31st |
| Total assets | $213.7M | $211.7M |
| Deposits / shares | $189.6M | $196.9M |
| Capital ratio | 13.24% (stronger) | 8.42% |
| Problem loans | 0.22% (stronger) | 0.30% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 2.06% (stronger) | 0.83% |
| Loans ÷ deposits | 53.5% (stronger) | 59.1% |
| Uninsured deposits | 28.6% | 26.1% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Surety Bank has the higher TellerScore (90 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Surety Bank leads on 6 and Madison County Community Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.