Side-by-side · Q2 2026 data
Vantage Bank vs State Bank of Cold Spring
Metric by metric
| Measure | Vantage Bank | State Bank of Cold Spring |
|---|---|---|
| TellerScore | 68 (stronger) | 66 |
| Capital cushion | 35 | 51 (stronger) |
| Loan quality | 88 (stronger) | 47 |
| Earnings | 93 (stronger) | 84 |
| Funding & liquidity | 50 | 94 (stronger) |
| Problem-loan coverage | 93 (stronger) | 81 |
| Peer percentile | 33rd | 28th |
| Total assets | $85.0M | $81.7M |
| Deposits / shares | $75.4M | $73.8M |
| Capital ratio | 8.47% | 10.06% (stronger) |
| Problem loans | 0.35% (stronger) | 1.60% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.84% (stronger) | 1.60% |
| Loans ÷ deposits | 104.0% | 63.9% (stronger) |
| Uninsured deposits | 20.2% | 17.4% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vantage Bank has the higher TellerScore (68 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Vantage Bank leads on 3 and State Bank of Cold Spring on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.