Side-by-side · Q2 2026 data
The State Bank of Pearl City vs Midland Community Bank
Metric by metric
| Measure | The State Bank of Pearl City | Midland Community Bank |
|---|---|---|
| TellerScore | 71 | 88 (stronger) |
| Capital cushion | 63 | 71 (stronger) |
| Loan quality | 77 | 100 (stronger) |
| Earnings | 48 | 87 (stronger) |
| Funding & liquidity | 93 | 95 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 42nd | 86th |
| Total assets | $73.4M | $68.8M |
| Deposits / shares | $65.7M | $56.6M |
| Capital ratio | 11.31% | 12.11% (stronger) |
| Problem loans | 0.69% | 0.00% (stronger) |
| Net charge-offs | -0.22% (stronger) | 0.49% |
| Return on assets | 0.71% | 1.66% (stronger) |
| Loans ÷ deposits | 48.4% (stronger) | 64.9% |
| Uninsured deposits | 21.6% | 12.0% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Midland Community Bank has the higher TellerScore (88 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The State Bank of Pearl City leads on 2 and Midland Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.