Side-by-side · Q2 2026 data
Oostburg State Bank vs Spring Bank
Metric by metric
| Measure | Oostburg State Bank | Spring Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 51 |
| Capital cushion | 66 | 66 |
| Loan quality | 96 (stronger) | 10 |
| Earnings | 75 | 81 (stronger) |
| Funding & liquidity | 72 (stronger) | 39 |
| Problem-loan coverage | 98 (stronger) | 63 |
| Peer percentile | 75th | 8th |
| Total assets | $440.2M | $440.7M |
| Deposits / shares | $388.4M | $332.3M |
| Capital ratio | 11.64% (stronger) | 11.57% |
| Problem loans | 0.13% (stronger) | 2.70% |
| Net charge-offs | 0.13% | 0.00% (stronger) |
| Return on assets | 1.39% | 1.54% (stronger) |
| Loans ÷ deposits | 81.6% (stronger) | 109.7% |
| Uninsured deposits | 21.3% (stronger) | 25.8% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.1% | — |
Oostburg State Bank has the higher TellerScore (79 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Oostburg State Bank leads on 5 and Spring Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.