Side-by-side · Q2 2026 data
Cleveland State Bank vs Oostburg State Bank
Metric by metric
| Measure | Cleveland State Bank | Oostburg State Bank |
|---|---|---|
| TellerScore | 69 | 79 (stronger) |
| Capital cushion | 42 | 66 (stronger) |
| Loan quality | 90 | 96 (stronger) |
| Earnings | 64 | 75 (stronger) |
| Funding & liquidity | 75 (stronger) | 72 |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 40th | 75th |
| Total assets | $246.5M | $440.2M |
| Deposits / shares | $209.9M | $388.4M |
| Capital ratio | 9.16% | 11.64% (stronger) |
| Problem loans | 0.30% | 0.13% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.13% |
| Return on assets | 1.11% | 1.39% (stronger) |
| Loans ÷ deposits | 76.6% (stronger) | 81.6% |
| Uninsured deposits | 22.8% | 21.3% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | 1.1% |
Oostburg State Bank has the higher TellerScore (79 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Cleveland State Bank leads on 2 and Oostburg State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.