Side-by-side · Q2 2026 data
Owen County State Bank vs The Peoples State Bank
Metric by metric
| Measure | Owen County State Bank | The Peoples State Bank |
|---|---|---|
| TellerScore | 59 | 78 (stronger) |
| Capital cushion | 36 | 55 (stronger) |
| Loan quality | 79 | 94 (stronger) |
| Earnings | 52 | 79 (stronger) |
| Funding & liquidity | 62 | 82 (stronger) |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 17th | 72nd |
| Total assets | $388.5M | $506.6M |
| Deposits / shares | $323.8M | $444.3M |
| Capital ratio | 8.55% | 10.47% (stronger) |
| Problem loans | 0.62% | 0.19% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 0.81% | 1.48% (stronger) |
| Loans ÷ deposits | 82.3% | 61.8% (stronger) |
| Uninsured deposits | 29.3% (stronger) | 29.5% |
| Offices | 7 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.7% | 5.7% |
The Peoples State Bank has the higher TellerScore (78 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Owen County State Bank leads on 1 and The Peoples State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Bloomington, IN
- Spencer, IN