Side-by-side · Q2 2026 data
State Street Bank and Trust Company vs OSB Community Bank
Metric by metric
| Measure | State Street Bank and Trust Company | OSB Community Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 69 |
| Capital cushion | 50 | 66 (stronger) |
| Loan quality | 87 | 88 (stronger) |
| Earnings | 100 (stronger) | 58 |
| Funding & liquidity | 71 (stronger) | 42 |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 68th | 40th |
| Total assets | $357.1M | $355.6M |
| Deposits / shares | $315.5M | $293.5M |
| Capital ratio | 9.99% | 11.64% (stronger) |
| Problem loans | 0.39% | 0.36% (stronger) |
| Net charge-offs | 0.10% | 0.03% (stronger) |
| Return on assets | 2.40% (stronger) | 0.95% |
| Loans ÷ deposits | 88.8% (stronger) | 104.1% |
| Uninsured deposits | 9.6% (stronger) | 27.6% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Street Bank and Trust Company has the higher TellerScore (77 vs 69). On the 7 directional measures above (where higher or lower is clearly better), State Street Bank and Trust Company leads on 4 and OSB Community Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.