Side-by-side · Q2 2026 data
Osgood Bank vs Versailles Savings and Loan Company
Metric by metric
| Measure | Osgood Bank | Versailles Savings and Loan Company |
|---|---|---|
| TellerScore | 72 | 89 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 87 | 100 (stronger) |
| Earnings | 72 (stronger) | 69 |
| Funding & liquidity | 79 (stronger) | 71 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 50th | 87th |
| Total assets | $485.8M | $65.6M |
| Deposits / shares | $437.3M | $51.1M |
| Capital ratio | 9.86% | 19.25% (stronger) |
| Problem loans | 0.38% | 0.00% (stronger) |
| Net charge-offs | 0.28% | 0.00% (stronger) |
| Return on assets | 1.29% (stronger) | 1.22% |
| Loans ÷ deposits | 68.1% (stronger) | 89.5% |
| Uninsured deposits | 27.2% | 10.2% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Versailles Savings and Loan Company has the higher TellerScore (89 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Osgood Bank leads on 2 and Versailles Savings and Loan Company on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.