Side-by-side · Q2 2026 data
Bank of Odessa vs Home Savings and Loan Association of Carroll County, F.A.
Bank
Home Savings and Loan Association of Carroll County, F.A.
Norborne, Missouri · $100 million – $1 billion
Metric by metric
| Measure | Bank of Odessa | Home Savings and Loan Association of Carroll County, F.A. |
|---|---|---|
| TellerScore | 72 | 81 (stronger) |
| Capital cushion | 87 | 95 (stronger) |
| Loan quality | 29 | 76 (stronger) |
| Earnings | 100 (stronger) | 58 |
| Funding & liquidity | 74 | 81 (stronger) |
| Problem-loan coverage | 78 | 94 (stronger) |
| Peer percentile | 50th | 80th |
| Total assets | $667.1M | $131.4M |
| Deposits / shares | $567.0M | $111.6M |
| Capital ratio | 13.67% | 14.53% (stronger) |
| Problem loans | 2.12% | 0.73% (stronger) |
| Net charge-offs | 0.27% | 0.01% (stronger) |
| Return on assets | 2.04% (stronger) | 0.96% |
| Loans ÷ deposits | 79.3% | 78.9% (stronger) |
| Uninsured deposits | 20.7% | 11.4% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.7% | — |
Home Savings and Loan Association of Carroll County, F.A. has the higher TellerScore (81 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Bank of Odessa leads on 1 and Home Savings and Loan Association of Carroll County, F.A. on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.