Side-by-side · Q2 2026 data
First National Bank vs Owen County State Bank
Metric by metric
| Measure | First National Bank | Owen County State Bank |
|---|---|---|
| TellerScore | 61 (stronger) | 59 |
| Capital cushion | 45 (stronger) | 36 |
| Loan quality | 77 | 79 (stronger) |
| Earnings | 37 | 52 (stronger) |
| Funding & liquidity | 79 (stronger) | 62 |
| Problem-loan coverage | 91 (stronger) | 89 |
| Peer percentile | 20th | 17th |
| Total assets | $418.5M | $388.5M |
| Deposits / shares | $383.1M | $323.8M |
| Capital ratio | 9.50% (stronger) | 8.55% |
| Problem loans | 0.70% | 0.62% (stronger) |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 0.42% | 0.81% (stronger) |
| Loans ÷ deposits | 58.5% (stronger) | 82.3% |
| Uninsured deposits | 34.0% | 29.3% (stronger) |
| Offices | 7 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | 19.7% |
First National Bank has the higher TellerScore (61 vs 59). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 3 and Owen County State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.