Side-by-side · Q2 2026 data
State Savings Bank vs Lake-Osceola State Bank
Metric by metric
| Measure | State Savings Bank | Lake-Osceola State Bank |
|---|---|---|
| TellerScore | 61 | 85 (stronger) |
| Capital cushion | 38 | 75 (stronger) |
| Loan quality | 93 (stronger) | 92 |
| Earnings | 34 | 84 (stronger) |
| Funding & liquidity | 67 | 87 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 20th | 88th |
| Total assets | $431.2M | $469.4M |
| Deposits / shares | $391.6M | $403.4M |
| Capital ratio | 8.79% | 12.53% (stronger) |
| Problem loans | 0.20% (stronger) | 0.24% |
| Net charge-offs | -0.01% (stronger) | 0.16% |
| Return on assets | 0.35% | 1.60% (stronger) |
| Loans ÷ deposits | 82.6% | 62.4% (stronger) |
| Uninsured deposits | 24.9% | 24.8% (stronger) |
| Offices | 8 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | — |
Lake-Osceola State Bank has the higher TellerScore (85 vs 61). On the 7 directional measures above (where higher or lower is clearly better), State Savings Bank leads on 2 and Lake-Osceola State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.