Side-by-side · Q2 2026 data
Ohio State Bank vs Adelphi Bank
Metric by metric
| Measure | Ohio State Bank | Adelphi Bank |
|---|---|---|
| TellerScore | 66 | 80 (stronger) |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 66 | 100 (stronger) |
| Earnings | 61 (stronger) | 25 |
| Funding & liquidity | 55 | 64 (stronger) |
| Problem-loan coverage | 85 | 100 (stronger) |
| Peer percentile | 31st | 77th |
| Total assets | $484.0M | $124.5M |
| Deposits / shares | $405.4M | $104.2M |
| Capital ratio | 11.69% | 15.82% (stronger) |
| Problem loans | 1.03% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.02% (stronger) | 0.13% |
| Loans ÷ deposits | 104.9% | 93.2% (stronger) |
| Uninsured deposits | 13.9% (stronger) | 18.3% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.1% | — |
Adelphi Bank has the higher TellerScore (80 vs 66). On the 6 directional measures above (where higher or lower is clearly better), Ohio State Bank leads on 2 and Adelphi Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.