Side-by-side · Q2 2026 data
South Ottumwa Savings Bank vs Iowa State Bank and Trust Company of Fairfield, Iowa
Bank
Iowa State Bank and Trust Company of Fairfield, Iowa
Fairfield, Iowa · $100 million – $1 billion
Metric by metric
| Measure | South Ottumwa Savings Bank | Iowa State Bank and Trust Company of Fairfield, Iowa |
|---|---|---|
| TellerScore | 77 (stronger) | 64 |
| Capital cushion | 80 (stronger) | 30 |
| Loan quality | 72 | 97 (stronger) |
| Earnings | 76 (stronger) | 70 |
| Funding & liquidity | 70 (stronger) | 48 |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 68th | 26th |
| Total assets | $565.4M | $352.1M |
| Deposits / shares | $473.9M | $300.9M |
| Capital ratio | 13.00% (stronger) | 8.01% |
| Problem loans | 0.83% | 0.10% (stronger) |
| Net charge-offs | 0.03% | 0.03% (stronger) |
| Return on assets | 1.40% (stronger) | 1.24% |
| Loans ÷ deposits | 67.7% (stronger) | 83.3% |
| Uninsured deposits | 35.1% (stronger) | 40.7% |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
South Ottumwa Savings Bank has the higher TellerScore (77 vs 64). On the 7 directional measures above (where higher or lower is clearly better), South Ottumwa Savings Bank leads on 5 and Iowa State Bank and Trust Company of Fairfield, Iowa on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.