This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Ukiah, CA
Health score
85.4
Total assets
$1.3B
Bank
Los Angeles, CA
Health score
82.5
Total assets
$1.4B
Answer first
Savings Bank of Mendocino County leads on financial health and capitalization and profitability and lending quality; State Bank of India (California) leads on growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Savings Bank of Mendocino County
Higher TFS health score
Capitalization
Savings Bank of Mendocino County
Higher comparable capital ratio
Profitability
Savings Bank of Mendocino County
Higher return on assets
Lending quality
Savings Bank of Mendocino County
Lower problem-loan measure
Growth
State Bank of India (California)
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Savings Bank of Mendocino County | State Bank of India (California) |
|---|---|---|
| TFS health score | 85.4/100Leads | 82.5/100 |
| Total assets | $1.3B | $1.4B |
| Total deposits / shares | $1.0B | $1.2B |
| Tier 1 capital ratio | 17.93%Leads | 14.05% |
| Return on assets | 1.14%Leads | 1.10% |
| Return on equity | 8.15% | 8.16% |
Savings Bank of Mendocino County
9 branches
State Bank of India (California)
8 branches
Both institutions report branches in 1 state: CA.
Savings Bank of Mendocino County
Unavailable
State Bank of India (California)
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Savings Bank of Mendocino County
0 in TFS registry
State Bank of India (California)
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Savings Bank of Mendocino County score | Savings Bank of Mendocino County ROA | State Bank of India (California) score | State Bank of India (California) ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.87% | — | 0.89% |
| 2024-Q4 | — | 0.83% | — | 0.86% |
| 2025-Q1 | — | 0.82% | — | 0.89% |
| 2025-Q2 | — | 0.90% | — | 0.80% |
| 2025-Q3 | — | 0.91% | — | 0.83% |
| 2025-Q4 | — | 0.96% | — | 0.80% |
| 2026-Q1 | 86.3/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 0.36%Leads | 1.11% |
| Net charge-offs | -0.01%Leads | 0.01% |
| Efficiency ratio | 60.49% | 56.55%Leads |
| Loan-to-deposit ratio | 70.42% | 98.81% |
| Asset growth (YoY) | -3.33% | 6.02%Leads |
| Deposit / share growth (YoY) | 1.38% | 5.95%Leads |
| Branches | 9 | 8 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.08% |
| 83.8/100 |
| 1.35% |
| 2026-Q2 | 85.4/100 | 1.14% | 82.5/100 | 1.10% |