Side-by-side · Q2 2026 data
First State Bank vs South Ottumwa Savings Bank
Metric by metric
| Measure | First State Bank | South Ottumwa Savings Bank |
|---|---|---|
| TellerScore | 75 | 77 (stronger) |
| Capital cushion | 48 | 80 (stronger) |
| Loan quality | 93 (stronger) | 72 |
| Earnings | 100 (stronger) | 76 |
| Funding & liquidity | 53 | 70 (stronger) |
| Problem-loan coverage | 97 (stronger) | 93 |
| Peer percentile | 61st | 68th |
| Total assets | $384.2M | $565.4M |
| Deposits / shares | $308.1M | $473.9M |
| Capital ratio | 9.77% | 13.00% (stronger) |
| Problem loans | 0.21% (stronger) | 0.83% |
| Net charge-offs | 0.01% (stronger) | 0.03% |
| Return on assets | 2.11% (stronger) | 1.40% |
| Loans ÷ deposits | 95.6% | 67.7% (stronger) |
| Uninsured deposits | 26.0% (stronger) | 35.1% |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.5% | — |
South Ottumwa Savings Bank has the higher TellerScore (77 vs 75). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 4 and South Ottumwa Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.