Side-by-side · Q2 2026 data
The Clay City Banking Co. vs Sainte Marie State Bank
Metric by metric
| Measure | The Clay City Banking Co. | Sainte Marie State Bank |
|---|---|---|
| TellerScore | 68 | 76 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 64 | 90 (stronger) |
| Earnings | 76 (stronger) | 0 |
| Funding & liquidity | 82 | 90 (stronger) |
| Problem-loan coverage | 85 | 99 (stronger) |
| Peer percentile | 37th | 56th |
| Total assets | $253.3M | $23.0M |
| Deposits / shares | $227.8M | $19.2M |
| Capital ratio | 10.24% | 15.83% (stronger) |
| Problem loans | 1.09% | 0.31% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.40% |
| Return on assets | 1.40% (stronger) | -0.74% |
| Loans ÷ deposits | 70.5% | 46.5% (stronger) |
| Uninsured deposits | 22.0% (stronger) | 24.1% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sainte Marie State Bank has the higher TellerScore (76 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The Clay City Banking Co. leads on 3 and Sainte Marie State Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.