Side-by-side · Q2 2026 data
The State Bank and Trust Company vs The Hamler State Bank
Metric by metric
| Measure | The State Bank and Trust Company | The Hamler State Bank |
|---|---|---|
| TellerScore | 70 | 76 (stronger) |
| Capital cushion | 50 | 93 (stronger) |
| Loan quality | 90 (stronger) | 54 |
| Earnings | 67 | 71 (stronger) |
| Funding & liquidity | 63 | 80 (stronger) |
| Problem-loan coverage | 95 (stronger) | 87 |
| Peer percentile | 58th | 64th |
| Total assets | $1.6B | $125.3M |
| Deposits / shares | $1.4B | $107.4M |
| Capital ratio | 10.00% | 14.34% (stronger) |
| Problem loans | 0.30% (stronger) | 1.38% |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.17% | 1.27% (stronger) |
| Loans ÷ deposits | 84.3% | 80.1% (stronger) |
| Uninsured deposits | 26.6% | 10.3% (stronger) |
| Offices | 26 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
The Hamler State Bank has the higher TellerScore (76 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The State Bank and Trust Company leads on 1 and The Hamler State Bank on 6. 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.