Side-by-side · Q2 2026 data
Williamsville State Bank & Trust vs Bank of Calhoun County
Metric by metric
| Measure | Williamsville State Bank & Trust | Bank of Calhoun County |
|---|---|---|
| TellerScore | 73 | 74 (stronger) |
| Capital cushion | 95 (stronger) | 47 |
| Loan quality | 65 | 92 (stronger) |
| Earnings | 19 | 63 (stronger) |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 48th | 51st |
| Total assets | $93.8M | $99.5M |
| Deposits / shares | $83.0M | $89.7M |
| Capital ratio | 14.53% (stronger) | 9.72% |
| Problem loans | 1.04% | 0.23% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | -0.03% | 1.07% (stronger) |
| Loans ÷ deposits | 29.2% (stronger) | 58.4% |
| Uninsured deposits | 12.9% (stronger) | 20.7% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.7% | 0.0% |
Bank of Calhoun County has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Williamsville State Bank & Trust leads on 3 and Bank of Calhoun County on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.