Side-by-side · Q2 2026 data
Osgood Bank vs The St. Henry Bank
Metric by metric
| Measure | Osgood Bank | The St. Henry Bank |
|---|---|---|
| TellerScore | 72 | 92 (stronger) |
| Capital cushion | 49 | 86 (stronger) |
| Loan quality | 87 | 97 (stronger) |
| Earnings | 72 | 100 (stronger) |
| Funding & liquidity | 79 (stronger) | 77 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 50th | 97th |
| Total assets | $485.8M | $435.6M |
| Deposits / shares | $437.3M | $384.5M |
| Capital ratio | 9.86% | 13.61% (stronger) |
| Problem loans | 0.38% | 0.10% (stronger) |
| Net charge-offs | 0.28% | -0.16% (stronger) |
| Return on assets | 1.29% | 2.57% (stronger) |
| Loans ÷ deposits | 68.1% | 63.6% (stronger) |
| Uninsured deposits | 27.2% (stronger) | 32.3% |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The St. Henry Bank has the higher TellerScore (92 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Osgood Bank leads on 1 and The St. Henry Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.