Side-by-side · Q2 2026 data
The First National Bank of Grayson vs Owingsville Banking Company
Metric by metric
| Measure | The First National Bank of Grayson | Owingsville Banking Company |
|---|---|---|
| TellerScore | 79 (stronger) | 67 |
| Capital cushion | 80 (stronger) | 50 |
| Loan quality | 68 | 90 (stronger) |
| Earnings | 93 (stronger) | 44 |
| Funding & liquidity | 73 | 76 (stronger) |
| Problem-loan coverage | 89 | 96 (stronger) |
| Peer percentile | 75th | 34th |
| Total assets | $371.9M | $104.1M |
| Deposits / shares | $325.5M | $92.3M |
| Capital ratio | 12.98% (stronger) | 10.02% |
| Problem loans | 0.96% | 0.29% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.84% (stronger) | 0.60% |
| Loans ÷ deposits | 72.9% (stronger) | 83.8% |
| Uninsured deposits | 27.4% | 12.3% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.0% | — |
The First National Bank of Grayson has the higher TellerScore (79 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Grayson leads on 4 and Owingsville Banking Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.