Side-by-side · Q2 2026 data
Osgood Bank vs The Savings Bank
Metric by metric
| Measure | Osgood Bank | The Savings Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 64 |
| Capital cushion | 49 (stronger) | 44 |
| Loan quality | 87 | 93 (stronger) |
| Earnings | 72 (stronger) | 45 |
| Funding & liquidity | 79 (stronger) | 60 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 50th | 26th |
| Total assets | $485.8M | $520.1M |
| Deposits / shares | $437.3M | $450.2M |
| Capital ratio | 9.86% (stronger) | 9.42% |
| Problem loans | 0.38% | 0.22% (stronger) |
| Net charge-offs | 0.28% | 0.06% (stronger) |
| Return on assets | 1.29% (stronger) | 0.63% |
| Loans ÷ deposits | 68.1% (stronger) | 86.0% |
| Uninsured deposits | 27.2% (stronger) | 28.0% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.4% |
Osgood Bank has the higher TellerScore (72 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Osgood Bank leads on 5 and The Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.