Side-by-side · Q2 2026 data
The Clinton National Bank vs The State Bank of Pearl City
Metric by metric
| Measure | The Clinton National Bank | The State Bank of Pearl City |
|---|---|---|
| TellerScore | 79 (stronger) | 71 |
| Capital cushion | 84 (stronger) | 63 |
| Loan quality | 82 (stronger) | 77 |
| Earnings | 51 (stronger) | 48 |
| Funding & liquidity | 88 | 93 (stronger) |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 75th | 42nd |
| Total assets | $396.4M | $73.4M |
| Deposits / shares | $340.7M | $65.7M |
| Capital ratio | 13.44% (stronger) | 11.31% |
| Problem loans | 0.53% (stronger) | 0.69% |
| Net charge-offs | -0.01% | -0.22% (stronger) |
| Return on assets | 0.77% (stronger) | 0.71% |
| Loans ÷ deposits | 67.5% | 48.4% (stronger) |
| Uninsured deposits | 19.5% (stronger) | 21.6% |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Clinton National Bank has the higher TellerScore (79 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The Clinton National Bank leads on 5 and The State Bank of Pearl City on 2. 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.