Side-by-side · Q2 2026 data
Ozona Bank vs Security State Bank
Metric by metric
| Measure | Ozona Bank | Security State Bank |
|---|---|---|
| TellerScore | 79 | 88 (stronger) |
| Capital cushion | 73 | 96 (stronger) |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 47 | 100 (stronger) |
| Funding & liquidity | 83 (stronger) | 43 |
| Problem-loan coverage | 100 (stronger) | 84 |
| Peer percentile | 75th | 92nd |
| Total assets | $346.1M | $338.0M |
| Deposits / shares | $282.8M | $288.3M |
| Capital ratio | 12.31% | 14.61% (stronger) |
| Problem loans | 0.00% (stronger) | 0.03% |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 0.68% | 2.86% (stronger) |
| Loans ÷ deposits | 62.4% (stronger) | 92.1% |
| Uninsured deposits | 28.0% (stronger) | 37.7% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Security State Bank has the higher TellerScore (88 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Ozona Bank leads on 3 and Security State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.