Side-by-side · Q2 2026 data
The Vinton County National Bank vs The State Bank and Trust Company
Metric by metric
| Measure | The Vinton County National Bank | The State Bank and Trust Company |
|---|---|---|
| TellerScore | 73 (stronger) | 70 |
| Capital cushion | 55 (stronger) | 50 |
| Loan quality | 91 (stronger) | 90 |
| Earnings | 72 (stronger) | 67 |
| Funding & liquidity | 62 | 63 (stronger) |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 70th | 58th |
| Total assets | $1.6B | $1.6B |
| Deposits / shares | $1.4B | $1.4B |
| Capital ratio | 10.49% (stronger) | 10.00% |
| Problem loans | 0.27% (stronger) | 0.30% |
| Net charge-offs | 0.09% | 0.04% (stronger) |
| Return on assets | 1.29% (stronger) | 1.17% |
| Loans ÷ deposits | 80.4% (stronger) | 84.3% |
| Uninsured deposits | 30.9% | 26.6% (stronger) |
| Offices | 16 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.8% | 9.9% |
The Vinton County National Bank has the higher TellerScore (73 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Vinton County National Bank leads on 5 and The State Bank and Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.