Side-by-side · Q2 2026 data
The Stephenson National Bank and Trust vs Community State Bank
Metric by metric
| Measure | The Stephenson National Bank and Trust | Community State Bank |
|---|---|---|
| TellerScore | 66 | 74 (stronger) |
| Capital cushion | 51 (stronger) | 46 |
| Loan quality | 62 | 91 (stronger) |
| Earnings | 76 | 76 |
| Funding & liquidity | 77 | 83 (stronger) |
| Problem-loan coverage | 81 | 96 (stronger) |
| Peer percentile | 31st | 57th |
| Total assets | $676.8M | $667.5M |
| Deposits / shares | $588.0M | $621.3M |
| Capital ratio | 10.07% (stronger) | 9.62% |
| Problem loans | 1.15% | 0.28% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 1.41% (stronger) | 1.39% |
| Loans ÷ deposits | 83.7% | 58.6% (stronger) |
| Uninsured deposits | 14.9% (stronger) | 30.6% |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.2% | 9.3% |
Community State Bank has the higher TellerScore (74 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The Stephenson National Bank and Trust leads on 3 and Community State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.