Side-by-side · Q2 2026 data
The Bank of Herrin vs OSB Community Bank
Metric by metric
| Measure | The Bank of Herrin | OSB Community Bank |
|---|---|---|
| TellerScore | 65 | 69 (stronger) |
| Capital cushion | 38 | 66 (stronger) |
| Loan quality | 72 | 88 (stronger) |
| Earnings | 69 (stronger) | 58 |
| Funding & liquidity | 86 (stronger) | 42 |
| Problem-loan coverage | 84 | 95 (stronger) |
| Peer percentile | 29th | 40th |
| Total assets | $349.2M | $355.6M |
| Deposits / shares | $326.5M | $293.5M |
| Capital ratio | 8.81% | 11.64% (stronger) |
| Problem loans | 0.83% | 0.36% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.03% |
| Return on assets | 1.23% (stronger) | 0.95% |
| Loans ÷ deposits | 70.2% (stronger) | 104.1% |
| Uninsured deposits | 18.4% (stronger) | 27.6% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.7% | — |
OSB Community Bank has the higher TellerScore (69 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The Bank of Herrin leads on 4 and OSB Community Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.