Side-by-side · Q2 2026 data
Owen County State Bank vs Grant County State Bank
Metric by metric
| Measure | Owen County State Bank | Grant County State Bank |
|---|---|---|
| TellerScore | 59 | 61 (stronger) |
| Capital cushion | 36 | 67 (stronger) |
| Loan quality | 79 (stronger) | 22 |
| Earnings | 52 | 100 (stronger) |
| Funding & liquidity | 62 (stronger) | 57 |
| Problem-loan coverage | 89 (stronger) | 70 |
| Peer percentile | 17th | 20th |
| Total assets | $388.5M | $395.7M |
| Deposits / shares | $323.8M | $308.2M |
| Capital ratio | 8.55% | 11.73% (stronger) |
| Problem loans | 0.62% (stronger) | 2.35% |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 0.81% | 3.03% (stronger) |
| Loans ÷ deposits | 82.3% (stronger) | 103.6% |
| Uninsured deposits | 29.3% | 10.9% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.7% | — |
Grant County State Bank has the higher TellerScore (61 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Owen County State Bank leads on 3 and Grant County State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.