Side-by-side · Q2 2026 data
The State National Bank of Big Spring vs NBT Financial Bank
Metric by metric
| Measure | The State National Bank of Big Spring | NBT Financial Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 50 |
| Capital cushion | 62 (stronger) | 59 |
| Loan quality | 46 (stronger) | 24 |
| Earnings | 92 (stronger) | 72 |
| Funding & liquidity | 57 (stronger) | 35 |
| Problem-loan coverage | 95 (stronger) | 70 |
| Peer percentile | 34th | 7th |
| Total assets | $640.0M | $618.7M |
| Deposits / shares | $574.9M | $540.1M |
| Capital ratio | 11.19% (stronger) | 10.85% |
| Problem loans | 1.63% (stronger) | 2.29% |
| Net charge-offs | -0.03% (stronger) | 0.02% |
| Return on assets | 1.79% (stronger) | 1.29% |
| Loans ÷ deposits | 16.5% (stronger) | 83.8% |
| Uninsured deposits | 54.2% | 51.8% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.2% |
The State National Bank of Big Spring has the higher TellerScore (67 vs 50). On the 7 directional measures above (where higher or lower is clearly better), The State National Bank of Big Spring leads on 6 and NBT Financial Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.