Side-by-side · Q2 2026 data
South Ottumwa Savings Bank vs American Trust and Savings Bank
Metric by metric
| Measure | South Ottumwa Savings Bank | American Trust and Savings Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 46 |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 72 (stronger) | 0 |
| Earnings | 76 (stronger) | 0 |
| Funding & liquidity | 70 | 97 (stronger) |
| Problem-loan coverage | 93 (stronger) | 13 |
| Peer percentile | 68th | 7th |
| Total assets | $565.4M | $27.8M |
| Deposits / shares | $473.9M | $23.2M |
| Capital ratio | 13.00% | 15.65% (stronger) |
| Problem loans | 0.83% (stronger) | 30.07% |
| Net charge-offs | 0.03% | -0.07% (stronger) |
| Return on assets | 1.40% (stronger) | -1.02% |
| Loans ÷ deposits | 67.7% | 22.7% (stronger) |
| Uninsured deposits | 35.1% | 17.6% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
South Ottumwa Savings Bank has the higher TellerScore (77 vs 46). On the 7 directional measures above (where higher or lower is clearly better), South Ottumwa Savings Bank leads on 3 and American Trust and Savings Bank on 4. 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.