Side-by-side · Q2 2026 data
The State Bank of Pearl City vs Apple River State Bank
Metric by metric
| Measure | The State Bank of Pearl City | Apple River State Bank |
|---|---|---|
| TellerScore | 71 | 74 (stronger) |
| Capital cushion | 63 (stronger) | 47 |
| Loan quality | 77 | 92 (stronger) |
| Earnings | 48 | 83 (stronger) |
| Funding & liquidity | 93 (stronger) | 72 |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 42nd | 57th |
| Total assets | $73.4M | $675.2M |
| Deposits / shares | $65.7M | $548.3M |
| Capital ratio | 11.31% (stronger) | 9.74% |
| Problem loans | 0.69% | 0.24% (stronger) |
| Net charge-offs | -0.22% (stronger) | 0.00% |
| Return on assets | 0.71% | 1.57% (stronger) |
| Loans ÷ deposits | 48.4% (stronger) | 71.9% |
| Uninsured deposits | 21.6% (stronger) | 29.5% |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Apple River State Bank has the higher TellerScore (74 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The State Bank of Pearl City leads on 4 and Apple River State Bank on 3. 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.