Side-by-side · Q2 2026 data
The Stephenson National Bank and Trust vs Bank of Luxemburg
Metric by metric
| Measure | The Stephenson National Bank and Trust | Bank of Luxemburg |
|---|---|---|
| TellerScore | 66 | 68 (stronger) |
| Capital cushion | 51 (stronger) | 46 |
| Loan quality | 62 | 94 (stronger) |
| Earnings | 76 (stronger) | 52 |
| Funding & liquidity | 77 (stronger) | 70 |
| Problem-loan coverage | 81 | 97 (stronger) |
| Peer percentile | 31st | 37th |
| Total assets | $676.8M | $723.4M |
| Deposits / shares | $588.0M | $627.2M |
| Capital ratio | 10.07% (stronger) | 9.64% |
| Problem loans | 1.15% | 0.18% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 1.41% (stronger) | 0.80% |
| Loans ÷ deposits | 83.7% (stronger) | 88.0% |
| Uninsured deposits | 14.9% (stronger) | 17.1% |
| Offices | 6 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.2% | 7.5% |
Bank of Luxemburg has the higher TellerScore (68 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The Stephenson National Bank and Trust leads on 5 and Bank of Luxemburg on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.