Side-by-side · Q2 2026 data
The Napoleon State Bank vs The Peoples State Bank
Metric by metric
| Measure | The Napoleon State Bank | The Peoples State Bank |
|---|---|---|
| TellerScore | 70 | 78 (stronger) |
| Capital cushion | 61 (stronger) | 55 |
| Loan quality | 63 | 94 (stronger) |
| Earnings | 79 | 79 |
| Funding & liquidity | 77 | 82 (stronger) |
| Problem-loan coverage | 86 | 98 (stronger) |
| Peer percentile | 43rd | 72nd |
| Total assets | $499.2M | $506.6M |
| Deposits / shares | $440.4M | $444.3M |
| Capital ratio | 11.07% (stronger) | 10.47% |
| Problem loans | 1.10% | 0.19% (stronger) |
| Net charge-offs | 0.04% | -0.00% (stronger) |
| Return on assets | 1.47% | 1.48% (stronger) |
| Loans ÷ deposits | 81.8% | 61.8% (stronger) |
| Uninsured deposits | 16.0% (stronger) | 29.5% |
| Offices | 7 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.7% |
The Peoples State Bank has the higher TellerScore (78 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Napoleon State Bank leads on 2 and The Peoples State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.