Side-by-side · Q2 2026 data
South Ottumwa Savings Bank vs First Iowa State Bank
Metric by metric
| Measure | South Ottumwa Savings Bank | First Iowa State Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 60 |
| Capital cushion | 80 (stronger) | 52 |
| Loan quality | 72 (stronger) | 29 |
| Earnings | 76 | 100 (stronger) |
| Funding & liquidity | 70 (stronger) | 65 |
| Problem-loan coverage | 93 (stronger) | 69 |
| Peer percentile | 68th | 19th |
| Total assets | $565.4M | $396.1M |
| Deposits / shares | $473.9M | $359.0M |
| Capital ratio | 13.00% (stronger) | 10.20% |
| Problem loans | 0.83% (stronger) | 2.12% |
| Net charge-offs | 0.03% (stronger) | 0.73% |
| Return on assets | 1.40% | 2.03% (stronger) |
| Loans ÷ deposits | 67.7% (stronger) | 80.2% |
| Uninsured deposits | 35.1% | 28.8% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
South Ottumwa Savings Bank has the higher TellerScore (77 vs 60). On the 7 directional measures above (where higher or lower is clearly better), South Ottumwa Savings Bank leads on 5 and First Iowa State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Albia, IA