Side-by-side · Q2 2026 data
South Ottumwa Savings Bank vs Central State Bank
Metric by metric
| Measure | South Ottumwa Savings Bank | Central State Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 55 |
| Capital cushion | 80 (stronger) | 54 |
| Loan quality | 72 (stronger) | 53 |
| Earnings | 76 (stronger) | 55 |
| Funding & liquidity | 70 (stronger) | 48 |
| Problem-loan coverage | 93 (stronger) | 78 |
| Peer percentile | 68th | 11th |
| Total assets | $565.4M | $557.8M |
| Deposits / shares | $473.9M | $465.9M |
| Capital ratio | 13.00% (stronger) | 10.43% |
| Problem loans | 0.83% (stronger) | 1.42% |
| Net charge-offs | 0.03% | -0.00% (stronger) |
| Return on assets | 1.40% (stronger) | 0.88% |
| Loans ÷ deposits | 67.7% (stronger) | 94.7% |
| Uninsured deposits | 35.1% | 31.0% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.1% |
South Ottumwa Savings Bank has the higher TellerScore (77 vs 55). On the 7 directional measures above (where higher or lower is clearly better), South Ottumwa Savings Bank leads on 5 and Central State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.