Side-by-side · Q2 2026 data
Town & Country Bank vs North County Savings Bank
Metric by metric
| Measure | Town & Country Bank | North County Savings Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 68 |
| Capital cushion | 74 (stronger) | 35 |
| Loan quality | 88 | 100 (stronger) |
| Earnings | 100 (stronger) | 37 |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 90th | 33rd |
| Total assets | $747.7M | $63.2M |
| Deposits / shares | $642.2M | $57.9M |
| Capital ratio | 12.37% (stronger) | 8.45% |
| Problem loans | 0.35% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 2.53% (stronger) | 0.42% |
| Loans ÷ deposits | 77.3% | 48.9% (stronger) |
| Uninsured deposits | 14.2% | 4.4% (stronger) |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.5% | — |
Town & Country Bank has the higher TellerScore (86 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Town & Country Bank leads on 4 and North County Savings Bank on 3. 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.