Side-by-side · Q2 2026 data
Woodford State Bank vs State Bank Financial
Metric by metric
| Measure | Woodford State Bank | State Bank Financial |
|---|---|---|
| TellerScore | 66 | 73 (stronger) |
| Capital cushion | 31 | 49 (stronger) |
| Loan quality | 88 | 96 (stronger) |
| Earnings | 79 (stronger) | 70 |
| Funding & liquidity | 64 | 66 (stronger) |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 31st | 53rd |
| Total assets | $523.4M | $512.1M |
| Deposits / shares | $406.1M | $439.0M |
| Capital ratio | 8.11% | 9.94% (stronger) |
| Problem loans | 0.36% | 0.11% (stronger) |
| Net charge-offs | 0.12% | -0.03% (stronger) |
| Return on assets | 1.47% (stronger) | 1.25% |
| Loans ÷ deposits | 96.7% | 78.5% (stronger) |
| Uninsured deposits | 12.1% (stronger) | 29.4% |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.4% | 0.0% |
State Bank Financial has the higher TellerScore (73 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Woodford State Bank leads on 2 and State Bank Financial on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.