Side-by-side · Q2 2026 data
Owen County State Bank vs Kentland Bank
Metric by metric
| Measure | Owen County State Bank | Kentland Bank |
|---|---|---|
| TellerScore | 59 | 75 (stronger) |
| Capital cushion | 36 | 75 (stronger) |
| Loan quality | 79 | 81 (stronger) |
| Earnings | 52 | 81 (stronger) |
| Funding & liquidity | 62 (stronger) | 59 |
| Problem-loan coverage | 89 (stronger) | 75 |
| Peer percentile | 17th | 61st |
| Total assets | $388.5M | $419.4M |
| Deposits / shares | $323.8M | $321.9M |
| Capital ratio | 8.55% | 12.54% (stronger) |
| Problem loans | 0.62% | 0.56% (stronger) |
| Net charge-offs | 0.01% | 0.01% (stronger) |
| Return on assets | 0.81% | 1.53% (stronger) |
| Loans ÷ deposits | 82.3% (stronger) | 87.9% |
| Uninsured deposits | 29.3% | 27.3% (stronger) |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.7% | — |
Kentland 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 1 and Kentland Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.