Side-by-side · Q2 2026 data
The Fountain Trust Company vs The North Salem State Bank
Metric by metric
| Measure | The Fountain Trust Company | The North Salem State Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 64 |
| Capital cushion | 50 (stronger) | 40 |
| Loan quality | 79 (stronger) | 78 |
| Earnings | 62 | 86 (stronger) |
| Funding & liquidity | 85 (stronger) | 40 |
| Problem-loan coverage | 94 (stronger) | 89 |
| Peer percentile | 40th | 26th |
| Total assets | $844.6M | $769.6M |
| Deposits / shares | $744.1M | $687.9M |
| Capital ratio | 9.99% (stronger) | 8.98% |
| Problem loans | 0.63% (stronger) | 0.67% |
| Net charge-offs | 0.09% | 0.00% (stronger) |
| Return on assets | 1.04% | 1.65% (stronger) |
| Loans ÷ deposits | 69.0% (stronger) | 89.7% |
| Uninsured deposits | 20.7% (stronger) | 43.0% |
| Offices | 20 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.8% | 1.9% |
The Fountain Trust Company has the higher TellerScore (69 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The Fountain Trust Company leads on 5 and The North Salem State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.