Side-by-side · Q2 2026 data
The James Polk Stone Community Bank vs Bank of the Southwest
Metric by metric
| Measure | The James Polk Stone Community Bank | Bank of the Southwest |
|---|---|---|
| TellerScore | 66 (stronger) | 64 |
| Capital cushion | 50 (stronger) | 44 |
| Loan quality | 53 | 76 (stronger) |
| Earnings | 100 (stronger) | 63 |
| Funding & liquidity | 59 | 68 (stronger) |
| Problem-loan coverage | 86 | 86 |
| Peer percentile | 31st | 26th |
| Total assets | $443.8M | $176.3M |
| Deposits / shares | $379.3M | $159.0M |
| Capital ratio | 9.98% (stronger) | 9.36% |
| Problem loans | 1.41% | 0.73% (stronger) |
| Net charge-offs | 0.20% | 0.08% (stronger) |
| Return on assets | 2.08% (stronger) | 1.07% |
| Loans ÷ deposits | 54.1% (stronger) | 75.6% |
| Uninsured deposits | 51.9% | 30.4% (stronger) |
| Offices | 7 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.4% |
The James Polk Stone Community Bank has the higher TellerScore (66 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The James Polk Stone Community Bank leads on 4 and Bank of the Southwest on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.