Side-by-side · Q2 2026 data
Bath State Bank vs The Cincinnatus Savings & Loan Co.
Metric by metric
| Measure | Bath State Bank | The Cincinnatus Savings & Loan Co. |
|---|---|---|
| TellerScore | 60 | 84 (stronger) |
| Capital cushion | 38 | 100 (stronger) |
| Loan quality | 74 | 91 (stronger) |
| Earnings | 60 (stronger) | 57 |
| Funding & liquidity | 63 | 67 (stronger) |
| Problem-loan coverage | 82 | 98 (stronger) |
| Peer percentile | 19th | 86th |
| Total assets | $337.6M | $193.1M |
| Deposits / shares | $283.9M | $163.0M |
| Capital ratio | 8.82% | 15.26% (stronger) |
| Problem loans | 0.78% | 0.26% (stronger) |
| Net charge-offs | 0.02% | -0.11% (stronger) |
| Return on assets | 1.01% (stronger) | 0.93% |
| Loans ÷ deposits | 88.5% | 77.9% (stronger) |
| Uninsured deposits | 23.1% (stronger) | 29.1% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.9% | — |
The Cincinnatus Savings & Loan Co. has the higher TellerScore (84 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Bath State Bank leads on 2 and The Cincinnatus Savings & Loan Co. on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.