Side-by-side · Q2 2026 data
South Ottumwa Savings Bank vs Liberty Trust & Savings Bank
Metric by metric
| Measure | South Ottumwa Savings Bank | Liberty Trust & Savings Bank |
|---|---|---|
| TellerScore | 77 | 86 (stronger) |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 72 (stronger) | 71 |
| Earnings | 76 | 84 (stronger) |
| Funding & liquidity | 70 | 79 (stronger) |
| Problem-loan coverage | 93 | 95 (stronger) |
| Peer percentile | 68th | 90th |
| Total assets | $565.4M | $186.2M |
| Deposits / shares | $473.9M | $149.5M |
| Capital ratio | 13.00% | 20.65% (stronger) |
| Problem loans | 0.83% (stronger) | 0.86% |
| Net charge-offs | 0.03% | -0.00% (stronger) |
| Return on assets | 1.40% | 1.59% (stronger) |
| Loans ÷ deposits | 67.7% (stronger) | 70.5% |
| Uninsured deposits | 35.1% | 24.7% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Liberty Trust & Savings Bank has the higher TellerScore (86 vs 77). On the 7 directional measures above (where higher or lower is clearly better), South Ottumwa Savings Bank leads on 2 and Liberty Trust & Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.