Side-by-side · Q2 2026 data
The Monticello Banking Company vs Cumberland Security Bank, Inc.
Metric by metric
| Measure | The Monticello Banking Company | Cumberland Security Bank, Inc. |
|---|---|---|
| TellerScore | 71 | 87 (stronger) |
| Capital cushion | 52 | 91 (stronger) |
| Loan quality | 96 (stronger) | 95 |
| Earnings | 59 | 100 (stronger) |
| Funding & liquidity | 62 (stronger) | 38 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 63rd | 91st |
| Total assets | $1.1B | $420.1M |
| Deposits / shares | $924.3M | $359.4M |
| Capital ratio | 10.17% | 14.14% (stronger) |
| Problem loans | 0.11% (stronger) | 0.16% |
| Net charge-offs | 0.01% (stronger) | 0.01% |
| Return on assets | 0.97% | 4.50% (stronger) |
| Loans ÷ deposits | 82.8% (stronger) | 93.7% |
| Uninsured deposits | 28.7% (stronger) | 40.5% |
| Offices | 21 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | — |
Cumberland Security Bank, Inc. has the higher TellerScore (87 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The Monticello Banking Company leads on 4 and Cumberland Security Bank, Inc. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.