Side-by-side · Q2 2026 data
Owen County State Bank vs American Community Bank of Indiana
Metric by metric
| Measure | Owen County State Bank | American Community Bank of Indiana |
|---|---|---|
| TellerScore | 59 (stronger) | 43 |
| Capital cushion | 36 | 48 (stronger) |
| Loan quality | 79 (stronger) | 22 |
| Earnings | 52 | 63 (stronger) |
| Funding & liquidity | 62 (stronger) | 32 |
| Problem-loan coverage | 89 (stronger) | 59 |
| Peer percentile | 17th | 3rd |
| Total assets | $388.5M | $383.0M |
| Deposits / shares | $323.8M | $344.8M |
| Capital ratio | 8.55% | 9.83% (stronger) |
| Problem loans | 0.62% (stronger) | 2.33% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.81% | 1.08% (stronger) |
| Loans ÷ deposits | 82.3% (stronger) | 91.4% |
| Uninsured deposits | 29.3% (stronger) | 48.0% |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.7% | 0.0% |
Owen County State Bank has the higher TellerScore (59 vs 43). On the 7 directional measures above (where higher or lower is clearly better), Owen County State Bank leads on 4 and American Community Bank of Indiana on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.