Side-by-side · Q2 2026 data
The North Salem State Bank vs First State Bank of Middlebury
Metric by metric
| Measure | The North Salem State Bank | First State Bank of Middlebury |
|---|---|---|
| TellerScore | 64 | 67 (stronger) |
| Capital cushion | 40 | 84 (stronger) |
| Loan quality | 78 (stronger) | 48 |
| Earnings | 86 (stronger) | 84 |
| Funding & liquidity | 40 (stronger) | 35 |
| Problem-loan coverage | 89 (stronger) | 81 |
| Peer percentile | 26th | 34th |
| Total assets | $769.6M | $836.2M |
| Deposits / shares | $687.9M | $651.3M |
| Capital ratio | 8.98% | 13.37% (stronger) |
| Problem loans | 0.67% (stronger) | 1.55% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.65% (stronger) | 1.59% |
| Loans ÷ deposits | 89.7% (stronger) | 99.5% |
| Uninsured deposits | 43.0% | 37.8% (stronger) |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.9% | 5.7% |
First State Bank of Middlebury has the higher TellerScore (67 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The North Salem State Bank leads on 3 and First State Bank of Middlebury on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.