Side-by-side · Q2 2026 data
North Central Bank vs OSB Community Bank
Metric by metric
| Measure | North Central Bank | OSB Community Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 69 |
| Capital cushion | 73 (stronger) | 66 |
| Loan quality | 91 (stronger) | 88 |
| Earnings | 73 (stronger) | 58 |
| Funding & liquidity | 86 (stronger) | 42 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 82nd | 40th |
| Total assets | $165.9M | $355.6M |
| Deposits / shares | $144.7M | $293.5M |
| Capital ratio | 12.26% (stronger) | 11.64% |
| Problem loans | 0.26% (stronger) | 0.36% |
| Net charge-offs | -0.00% (stronger) | 0.03% |
| Return on assets | 1.33% (stronger) | 0.95% |
| Loans ÷ deposits | 58.5% (stronger) | 104.1% |
| Uninsured deposits | 27.6% (stronger) | 27.6% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
North Central Bank has the higher TellerScore (82 vs 69). On the 7 directional measures above (where higher or lower is clearly better), North Central Bank leads on 7 and OSB Community Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.