Side-by-side · Q2 2026 data
Produce State Bank vs Community Bank Owatonna
Metric by metric
| Measure | Produce State Bank | Community Bank Owatonna |
|---|---|---|
| TellerScore | 69 (stronger) | 63 |
| Capital cushion | 53 (stronger) | 30 |
| Loan quality | 58 | 86 (stronger) |
| Earnings | 73 (stronger) | 52 |
| Funding & liquidity | 98 (stronger) | 84 |
| Problem-loan coverage | 88 | 92 (stronger) |
| Peer percentile | 40th | 24th |
| Total assets | $107.2M | $103.3M |
| Deposits / shares | $94.6M | $94.7M |
| Capital ratio | 10.33% (stronger) | 7.98% |
| Problem loans | 1.26% | 0.42% (stronger) |
| Net charge-offs | -0.15% (stronger) | 0.00% |
| Return on assets | 1.31% (stronger) | 0.81% |
| Loans ÷ deposits | 62.6% (stronger) | 76.6% |
| Uninsured deposits | 9.8% (stronger) | 12.7% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Produce State Bank has the higher TellerScore (69 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Produce State Bank leads on 6 and Community Bank Owatonna on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.