Side-by-side · Q2 2026 data
White State Bank vs Chelsea Savings Bank
Metric by metric
| Measure | White State Bank | Chelsea Savings Bank |
|---|---|---|
| TellerScore | 73 | 93 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 56 | 92 (stronger) |
| Earnings | 85 | 90 (stronger) |
| Funding & liquidity | 92 (stronger) | 84 |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 53rd | 98th |
| Total assets | $109.0M | $196.9M |
| Deposits / shares | $96.4M | $173.8M |
| Capital ratio | 11.16% | 16.01% (stronger) |
| Problem loans | 1.31% | 0.24% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 1.62% | 1.75% (stronger) |
| Loans ÷ deposits | 38.8% (stronger) | 48.2% |
| Uninsured deposits | 22.2% (stronger) | 29.8% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Chelsea Savings Bank has the higher TellerScore (93 vs 73). On the 7 directional measures above (where higher or lower is clearly better), White State Bank leads on 3 and Chelsea Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.