Side-by-side · Q2 2026 data
Owingsville Banking Company vs Whitaker Bank
Metric by metric
| Measure | Owingsville Banking Company | Whitaker Bank |
|---|---|---|
| TellerScore | 67 | 84 (stronger) |
| Capital cushion | 50 | 79 (stronger) |
| Loan quality | 90 | 93 (stronger) |
| Earnings | 44 | 77 (stronger) |
| Funding & liquidity | 76 | 80 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 34th | 95th |
| Total assets | $104.1M | $1.9B |
| Deposits / shares | $92.3M | $1.6B |
| Capital ratio | 10.02% | 12.89% (stronger) |
| Problem loans | 0.29% | 0.21% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 0.60% | 1.42% (stronger) |
| Loans ÷ deposits | 83.8% | 67.3% (stronger) |
| Uninsured deposits | 12.3% (stronger) | 26.8% |
| Offices | 3 | 44 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Whitaker Bank has the higher TellerScore (84 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Owingsville Banking Company leads on 2 and Whitaker 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.