Side-by-side · Q2 2026 data
Owen County State Bank vs Hoosier Heartland State Bank
Metric by metric
| Measure | Owen County State Bank | Hoosier Heartland State Bank |
|---|---|---|
| TellerScore | 59 | 63 (stronger) |
| Capital cushion | 36 | 37 (stronger) |
| Loan quality | 79 | 79 |
| Earnings | 52 | 71 (stronger) |
| Funding & liquidity | 62 (stronger) | 59 |
| Problem-loan coverage | 89 (stronger) | 88 |
| Peer percentile | 17th | 24th |
| Total assets | $388.5M | $356.3M |
| Deposits / shares | $323.8M | $327.3M |
| Capital ratio | 8.55% | 8.70% (stronger) |
| Problem loans | 0.62% (stronger) | 0.63% |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 0.81% | 1.27% (stronger) |
| Loans ÷ deposits | 82.3% | 79.9% (stronger) |
| Uninsured deposits | 29.3% (stronger) | 34.3% |
| Offices | 7 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.7% | — |
Hoosier Heartland State Bank has the higher TellerScore (63 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Owen County State Bank leads on 2 and Hoosier Heartland State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.