Side-by-side · Q2 2026 data
Owingsville Banking Company vs Bank of the Mountains, Inc.
Metric by metric
| Measure | Owingsville Banking Company | Bank of the Mountains, Inc. |
|---|---|---|
| TellerScore | 67 (stronger) | 64 |
| Capital cushion | 50 (stronger) | 42 |
| Loan quality | 90 (stronger) | 81 |
| Earnings | 44 | 51 (stronger) |
| Funding & liquidity | 76 | 76 |
| Problem-loan coverage | 96 (stronger) | 92 |
| Peer percentile | 34th | 26th |
| Total assets | $104.1M | $100.0M |
| Deposits / shares | $92.3M | $88.0M |
| Capital ratio | 10.02% (stronger) | 9.23% |
| Problem loans | 0.29% (stronger) | 0.57% |
| Net charge-offs | 0.00% (stronger) | 0.09% |
| Return on assets | 0.60% | 0.77% (stronger) |
| Loans ÷ deposits | 83.8% (stronger) | 84.7% |
| Uninsured deposits | 12.3% (stronger) | 13.8% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Owingsville Banking Company has the higher TellerScore (67 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Owingsville Banking Company leads on 6 and Bank of the Mountains, Inc. on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.