Side-by-side · Q2 2026 data
Thumb Bank and Trust vs The Port Austin State Bank
Metric by metric
| Measure | Thumb Bank and Trust | The Port Austin State Bank |
|---|---|---|
| TellerScore | 77 | 95 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 86 | 93 (stronger) |
| Funding & liquidity | 78 (stronger) | 77 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 68th | 97th |
| Total assets | $673.3M | $67.8M |
| Deposits / shares | $595.8M | $54.6M |
| Capital ratio | 9.44% | 18.44% (stronger) |
| Problem loans | 0.03% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.65% | 1.83% (stronger) |
| Loans ÷ deposits | 69.5% (stronger) | 83.6% |
| Uninsured deposits | 26.4% | 7.9% (stronger) |
| Offices | 13 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | — |
The Port Austin State Bank has the higher TellerScore (95 vs 77). On the 6 directional measures above (where higher or lower is clearly better), Thumb Bank and Trust leads on 1 and The Port Austin State Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.