Side-by-side · Q2 2026 data
The Gerber State Bank vs Clay County State Bank
Metric by metric
| Measure | The Gerber State Bank | Clay County State Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 59 |
| Capital cushion | 73 | 82 (stronger) |
| Loan quality | 56 (stronger) | 0 |
| Earnings | 66 | 80 (stronger) |
| Funding & liquidity | 90 (stronger) | 76 |
| Problem-loan coverage | 88 (stronger) | 70 |
| Peer percentile | 47th | 17th |
| Total assets | $100.8M | $104.3M |
| Deposits / shares | $78.1M | $91.7M |
| Capital ratio | 12.31% | 13.18% (stronger) |
| Problem loans | 1.31% (stronger) | 3.82% |
| Net charge-offs | -0.03% (stronger) | 0.03% |
| Return on assets | 1.14% | 1.50% (stronger) |
| Loans ÷ deposits | 60.2% | 51.1% (stronger) |
| Uninsured deposits | 24.0% (stronger) | 36.6% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Gerber State Bank has the higher TellerScore (71 vs 59). On the 7 directional measures above (where higher or lower is clearly better), The Gerber State Bank leads on 4 and Clay County State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.