Side-by-side · Q2 2026 data
The Miners State Bank vs Bay Port State Bank
Metric by metric
| Measure | The Miners State Bank | Bay Port State Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 71 |
| Capital cushion | 72 (stronger) | 59 |
| Loan quality | 100 (stronger) | 78 |
| Earnings | 62 | 73 (stronger) |
| Funding & liquidity | 88 (stronger) | 64 |
| Problem-loan coverage | 96 (stronger) | 91 |
| Peer percentile | 82nd | 47th |
| Total assets | $134.8M | $153.4M |
| Deposits / shares | $117.6M | $136.1M |
| Capital ratio | 12.19% (stronger) | 10.89% |
| Problem loans | 0.00% (stronger) | 0.65% |
| Net charge-offs | 0.02% (stronger) | 0.18% |
| Return on assets | 1.05% | 1.34% (stronger) |
| Loans ÷ deposits | 72.7% (stronger) | 95.8% |
| Uninsured deposits | 13.3% | 10.6% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Miners State Bank has the higher TellerScore (82 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The Miners State Bank leads on 5 and Bay Port State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.