Side-by-side · Q2 2026 data
First Security Bank and Trust Company vs South Ottumwa Savings Bank
Metric by metric
| Measure | First Security Bank and Trust Company | South Ottumwa Savings Bank |
|---|---|---|
| TellerScore | 68 | 77 (stronger) |
| Capital cushion | 50 | 80 (stronger) |
| Loan quality | 91 (stronger) | 72 |
| Earnings | 42 | 76 (stronger) |
| Funding & liquidity | 80 (stronger) | 70 |
| Problem-loan coverage | 97 (stronger) | 93 |
| Peer percentile | 37th | 68th |
| Total assets | $538.2M | $565.4M |
| Deposits / shares | $469.0M | $473.9M |
| Capital ratio | 10.03% | 13.00% (stronger) |
| Problem loans | 0.27% (stronger) | 0.83% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 0.56% | 1.40% (stronger) |
| Loans ÷ deposits | 73.1% | 67.7% (stronger) |
| Uninsured deposits | 21.7% (stronger) | 35.1% |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
South Ottumwa Savings Bank has the higher TellerScore (77 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Security Bank and Trust Company leads on 3 and South Ottumwa Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.