Side-by-side · Q2 2026 data
York State Bank vs South Central State Bank
Metric by metric
| Measure | York State Bank | South Central State Bank |
|---|---|---|
| TellerScore | 90 | 96 (stronger) |
| Capital cushion | 89 | 100 (stronger) |
| Loan quality | 93 | 100 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 70 | 71 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 95th | 99th |
| Total assets | $200.2M | $192.1M |
| Deposits / shares | $167.4M | $153.6M |
| Capital ratio | 13.92% | 15.15% (stronger) |
| Problem loans | 0.20% | 0.00% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.16% |
| Return on assets | 2.08% | 2.40% (stronger) |
| Loans ÷ deposits | 77.1% (stronger) | 84.8% |
| Uninsured deposits | 27.4% | 18.9% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
South Central State Bank has the higher TellerScore (96 vs 90). On the 7 directional measures above (where higher or lower is clearly better), York State Bank leads on 2 and South Central State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.