Side-by-side · Q2 2026 data
Fredonia Valley Bank vs Owingsville Banking Company
Metric by metric
| Measure | Fredonia Valley Bank | Owingsville Banking Company |
|---|---|---|
| TellerScore | 68 (stronger) | 67 |
| Capital cushion | 65 (stronger) | 50 |
| Loan quality | 60 | 90 (stronger) |
| Earnings | 57 (stronger) | 44 |
| Funding & liquidity | 89 (stronger) | 76 |
| Problem-loan coverage | 86 | 96 (stronger) |
| Peer percentile | 37th | 34th |
| Total assets | $119.8M | $104.1M |
| Deposits / shares | $105.5M | $92.3M |
| Capital ratio | 11.49% (stronger) | 10.02% |
| Problem loans | 1.19% | 0.29% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 0.93% (stronger) | 0.60% |
| Loans ÷ deposits | 68.3% (stronger) | 83.8% |
| Uninsured deposits | 17.8% | 12.3% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Fredonia Valley Bank has the higher TellerScore (68 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Fredonia Valley Bank leads on 4 and Owingsville Banking Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.