Side-by-side · Q2 2026 data
The Bank of Vernon vs State Bank & Trust
Metric by metric
| Measure | The Bank of Vernon | State Bank & Trust |
|---|---|---|
| TellerScore | 85 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 40 |
| Loan quality | 84 (stronger) | 83 |
| Earnings | 71 (stronger) | 56 |
| Funding & liquidity | 69 (stronger) | 66 |
| Problem-loan coverage | 94 (stronger) | 87 |
| Peer percentile | 88th | 24th |
| Total assets | $445.4M | $413.0M |
| Deposits / shares | $373.6M | $362.6M |
| Capital ratio | 16.60% (stronger) | 9.01% |
| Problem loans | 0.47% (stronger) | 0.51% |
| Net charge-offs | 0.10% (stronger) | 0.23% |
| Return on assets | 1.27% (stronger) | 0.89% |
| Loans ÷ deposits | 87.8% | 76.1% (stronger) |
| Uninsured deposits | 18.2% (stronger) | 31.7% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Bank of Vernon has the higher TellerScore (85 vs 63). On the 7 directional measures above (where higher or lower is clearly better), The Bank of Vernon leads on 6 and State Bank & Trust on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.