Side-by-side · Q2 2026 data
Owen County State Bank vs German American Bank
Metric by metric
| Measure | Owen County State Bank | German American Bank |
|---|---|---|
| TellerScore | 59 | 75 (stronger) |
| Capital cushion | 36 | 62 (stronger) |
| Loan quality | 79 | 85 (stronger) |
| Earnings | 52 | 91 (stronger) |
| Funding & liquidity | 62 (stronger) | 46 |
| Problem-loan coverage | 89 | 96 (stronger) |
| Peer percentile | 17th | 77th |
| Total assets | $388.5M | $8.4B |
| Deposits / shares | $323.8M | $7.1B |
| Capital ratio | 8.55% | 11.19% (stronger) |
| Problem loans | 0.62% | 0.45% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.06% |
| Return on assets | 0.81% | 1.76% (stronger) |
| Loans ÷ deposits | 82.3% (stronger) | 83.0% |
| Uninsured deposits | 29.3% (stronger) | 42.8% |
| Offices | 7 | 89 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.7% | 17.2% |
German American Bank has the higher TellerScore (75 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Owen County State Bank leads on 3 and German American Bank on 4. 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.