Side-by-side · Q2 2026 data
The State Bank and Trust Company vs CFBank, National Association
Metric by metric
| Measure | The State Bank and Trust Company | CFBank, National Association |
|---|---|---|
| TellerScore | 70 (stronger) | 64 |
| Capital cushion | 50 | 66 (stronger) |
| Loan quality | 90 (stronger) | 62 |
| Earnings | 67 | 68 (stronger) |
| Funding & liquidity | 63 (stronger) | 43 |
| Problem-loan coverage | 95 (stronger) | 84 |
| Peer percentile | 58th | 33rd |
| Total assets | $1.6B | $2.2B |
| Deposits / shares | $1.4B | $1.8B |
| Capital ratio | 10.00% | 11.64% (stronger) |
| Problem loans | 0.30% (stronger) | 1.14% |
| Net charge-offs | 0.04% | -0.01% (stronger) |
| Return on assets | 1.17% | 1.20% (stronger) |
| Loans ÷ deposits | 84.3% (stronger) | 98.4% |
| Uninsured deposits | 26.6% (stronger) | 31.9% |
| Offices | 26 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | 7.0% |
The State Bank and Trust Company has the higher TellerScore (70 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The State Bank and Trust Company leads on 4 and CFBank, National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.