Side-by-side · Q2 2026 data
First State Bank of Olmsted vs Beardstown Savings s.b.
Metric by metric
| Measure | First State Bank of Olmsted | Beardstown Savings s.b. |
|---|---|---|
| TellerScore | 64 | 64 |
| Capital cushion | 76 (stronger) | 55 |
| Loan quality | 30 | 62 (stronger) |
| Earnings | 69 (stronger) | 49 |
| Funding & liquidity | 81 | 88 (stronger) |
| Problem-loan coverage | 79 | 86 (stronger) |
| Peer percentile | 24th | 24th |
| Total assets | $78.4M | $79.5M |
| Deposits / shares | $68.4M | $60.8M |
| Capital ratio | 12.57% (stronger) | 10.55% |
| Problem loans | 2.09% | 1.15% (stronger) |
| Net charge-offs | 0.02% | -0.01% (stronger) |
| Return on assets | 1.21% (stronger) | 0.72% |
| Loans ÷ deposits | 74.7% | 69.4% (stronger) |
| Uninsured deposits | 19.0% | 17.6% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First State Bank of Olmsted leads on 2 and Beardstown Savings s.b. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.