Side-by-side · Q2 2026 data
Owen County State Bank vs Union Savings Bank
Metric by metric
| Measure | Owen County State Bank | Union Savings Bank |
|---|---|---|
| TellerScore | 59 | 74 (stronger) |
| Capital cushion | 36 | 55 (stronger) |
| Loan quality | 79 (stronger) | 77 |
| Earnings | 52 | 100 (stronger) |
| Funding & liquidity | 62 (stronger) | 61 |
| Problem-loan coverage | 89 (stronger) | 88 |
| Peer percentile | 17th | 74th |
| Total assets | $388.5M | $4.0B |
| Deposits / shares | $323.8M | $3.5B |
| Capital ratio | 8.55% | 10.51% (stronger) |
| Problem loans | 0.62% (stronger) | 0.70% |
| Net charge-offs | 0.01% | -0.01% (stronger) |
| Return on assets | 0.81% | 2.01% (stronger) |
| Loans ÷ deposits | 82.3% (stronger) | 99.7% |
| Uninsured deposits | 29.3% | 13.4% (stronger) |
| Offices | 7 | 39 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.7% | 5.3% |
Union Savings Bank has the higher TellerScore (74 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Owen County State Bank leads on 2 and Union Savings Bank on 5. 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.