Side-by-side · Q2 2026 data
The Port Austin State Bank vs Independent Bank
Metric by metric
| Measure | The Port Austin State Bank | Independent Bank |
|---|---|---|
| TellerScore | 95 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 47 |
| Loan quality | 100 (stronger) | 67 |
| Earnings | 93 (stronger) | 74 |
| Funding & liquidity | 77 (stronger) | 61 |
| Problem-loan coverage | 100 (stronger) | 85 |
| Peer percentile | 97th | 30th |
| Total assets | $67.8M | $5.7B |
| Deposits / shares | $54.6M | $4.9B |
| Capital ratio | 18.44% (stronger) | 9.67% |
| Problem loans | 0.00% (stronger) | 0.99% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 1.83% (stronger) | 1.34% |
| Loans ÷ deposits | 83.6% (stronger) | 88.6% |
| Uninsured deposits | 7.9% (stronger) | 24.4% |
| Offices | 1 | 57 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.6% |
The Port Austin State Bank has the higher TellerScore (95 vs 63). On the 7 directional measures above (where higher or lower is clearly better), The Port Austin State Bank leads on 7 and Independent Bank on 0. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.