Side-by-side · Q2 2026 data
Osgood Bank vs United Midwest Savings Bank, National Association
Bank
United Midwest Savings Bank, National Association
Degraff, Ohio · $100 million – $1 billion
Metric by metric
| Measure | Osgood Bank | United Midwest Savings Bank, National Association |
|---|---|---|
| TellerScore | 72 (stronger) | 71 |
| Capital cushion | 49 | 79 (stronger) |
| Loan quality | 87 (stronger) | 65 |
| Earnings | 72 (stronger) | 54 |
| Funding & liquidity | 79 (stronger) | 74 |
| Problem-loan coverage | 95 (stronger) | 90 |
| Peer percentile | 50th | 47th |
| Total assets | $485.8M | $523.4M |
| Deposits / shares | $437.3M | $430.8M |
| Capital ratio | 9.86% | 12.93% (stronger) |
| Problem loans | 0.38% (stronger) | 1.05% |
| Net charge-offs | 0.28% (stronger) | 2.25% |
| Return on assets | 1.29% (stronger) | 0.86% |
| Loans ÷ deposits | 68.1% (stronger) | 86.2% |
| Uninsured deposits | 27.2% | 9.1% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Osgood Bank has the higher TellerScore (72 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Osgood Bank leads on 5 and United Midwest Savings Bank, National Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.