Side-by-side · Q2 2026 data
O'Bannon Banking Company vs Putnam County State Bank
Metric by metric
| Measure | O'Bannon Banking Company | Putnam County State Bank |
|---|---|---|
| TellerScore | 59 | 80 (stronger) |
| Capital cushion | 44 | 85 (stronger) |
| Loan quality | 51 | 79 (stronger) |
| Earnings | 66 | 90 (stronger) |
| Funding & liquidity | 78 (stronger) | 47 |
| Problem-loan coverage | 78 | 94 (stronger) |
| Peer percentile | 17th | 77th |
| Total assets | $332.6M | $317.6M |
| Deposits / shares | $297.0M | $273.7M |
| Capital ratio | 9.36% | 13.52% (stronger) |
| Problem loans | 1.46% | 0.62% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.16% | 1.75% (stronger) |
| Loans ÷ deposits | 82.5% (stronger) | 85.1% |
| Uninsured deposits | 13.7% (stronger) | 40.8% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.4% | — |
Putnam County State Bank has the higher TellerScore (80 vs 59). On the 7 directional measures above (where higher or lower is clearly better), O'Bannon Banking Company leads on 2 and Putnam County State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.