Side-by-side · Q2 2026 data
American Bank, National Association vs South Ottumwa Savings Bank
Metric by metric
| Measure | American Bank, National Association | South Ottumwa Savings Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 77 |
| Capital cushion | 57 | 80 (stronger) |
| Loan quality | 100 (stronger) | 72 |
| Earnings | 94 (stronger) | 76 |
| Funding & liquidity | 46 | 70 (stronger) |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 72nd | 68th |
| Total assets | $533.0M | $565.4M |
| Deposits / shares | $445.0M | $473.9M |
| Capital ratio | 10.68% | 13.00% (stronger) |
| Problem loans | 0.00% (stronger) | 0.83% |
| Net charge-offs | -0.04% (stronger) | 0.03% |
| Return on assets | 1.85% (stronger) | 1.40% |
| Loans ÷ deposits | 107.7% | 67.7% (stronger) |
| Uninsured deposits | 21.4% (stronger) | 35.1% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
American Bank, National Association has the higher TellerScore (78 vs 77). On the 7 directional measures above (where higher or lower is clearly better), American Bank, National Association leads on 5 and South Ottumwa Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.