Side-by-side · Q2 2026 data
Independence Bank vs The Cincinnatus Savings & Loan Co.
Metric by metric
| Measure | Independence Bank | The Cincinnatus Savings & Loan Co. |
|---|---|---|
| TellerScore | 81 | 84 (stronger) |
| Capital cushion | 95 | 100 (stronger) |
| Loan quality | 91 | 91 |
| Earnings | 55 | 57 (stronger) |
| Funding & liquidity | 59 | 67 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 80th | 86th |
| Total assets | $191.2M | $193.1M |
| Deposits / shares | $161.6M | $163.0M |
| Capital ratio | 14.46% | 15.26% (stronger) |
| Problem loans | 0.26% (stronger) | 0.26% |
| Net charge-offs | 0.49% | -0.11% (stronger) |
| Return on assets | 0.87% | 0.93% (stronger) |
| Loans ÷ deposits | 62.1% (stronger) | 77.9% |
| Uninsured deposits | 50.5% | 29.1% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Cincinnatus Savings & Loan Co. has the higher TellerScore (84 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Independence Bank leads on 2 and The Cincinnatus Savings & Loan Co. on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.