Side-by-side · Q2 2026 data
TBO Bank vs St. Clair County State Bank
Metric by metric
| Measure | TBO Bank | St. Clair County State Bank |
|---|---|---|
| TellerScore | 50 | 87 (stronger) |
| Capital cushion | 59 | 85 (stronger) |
| Loan quality | 44 | 92 (stronger) |
| Earnings | 50 | 94 (stronger) |
| Funding & liquidity | 25 | 69 (stronger) |
| Problem-loan coverage | 79 | 97 (stronger) |
| Peer percentile | 7th | 91st |
| Total assets | $224.8M | $231.8M |
| Deposits / shares | $195.8M | $195.7M |
| Capital ratio | 10.87% | 13.51% (stronger) |
| Problem loans | 1.69% | 0.24% (stronger) |
| Net charge-offs | 34.35% | 0.00% (stronger) |
| Return on assets | 0.74% | 1.85% (stronger) |
| Loans ÷ deposits | 88.2% (stronger) | 90.1% |
| Uninsured deposits | 57.8% | 15.8% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Clair County State Bank has the higher TellerScore (87 vs 50). On the 7 directional measures above (where higher or lower is clearly better), TBO Bank leads on 1 and St. Clair County State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.