Side-by-side · Q2 2026 data
One American Bank vs Commercial State Bank, of Wagner
Metric by metric
| Measure | One American Bank | Commercial State Bank, of Wagner |
|---|---|---|
| TellerScore | 40 | 66 (stronger) |
| Capital cushion | 33 | 68 (stronger) |
| Loan quality | 48 (stronger) | 24 |
| Earnings | 0 | 100 (stronger) |
| Funding & liquidity | 65 | 77 (stronger) |
| Problem-loan coverage | 79 (stronger) | 77 |
| Peer percentile | 2nd | 31st |
| Total assets | $285.2M | $260.4M |
| Deposits / shares | $231.5M | $218.8M |
| Capital ratio | 8.35% | 11.82% (stronger) |
| Problem loans | 1.56% (stronger) | 2.29% |
| Net charge-offs | 4.78% | -0.63% (stronger) |
| Return on assets | -3.96% | 2.57% (stronger) |
| Loans ÷ deposits | 95.4% | 70.2% (stronger) |
| Uninsured deposits | 10.8% (stronger) | 26.8% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Commercial State Bank, of Wagner has the higher TellerScore (66 vs 40). On the 7 directional measures above (where higher or lower is clearly better), One American Bank leads on 2 and Commercial State Bank, of Wagner on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.