Side-by-side · Q2 2026 data
The Garrett State Bank vs Owen County State Bank
Metric by metric
| Measure | The Garrett State Bank | Owen County State Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 59 |
| Capital cushion | 55 (stronger) | 36 |
| Loan quality | 72 | 79 (stronger) |
| Earnings | 97 (stronger) | 52 |
| Funding & liquidity | 43 | 62 (stronger) |
| Problem-loan coverage | 88 | 89 (stronger) |
| Peer percentile | 40th | 17th |
| Total assets | $399.7M | $388.5M |
| Deposits / shares | $339.4M | $323.8M |
| Capital ratio | 10.47% (stronger) | 8.55% |
| Problem loans | 0.85% | 0.62% (stronger) |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 1.93% (stronger) | 0.81% |
| Loans ÷ deposits | 85.2% | 82.3% (stronger) |
| Uninsured deposits | 44.3% | 29.3% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | 19.7% |
The Garrett State Bank has the higher TellerScore (69 vs 59). On the 7 directional measures above (where higher or lower is clearly better), The Garrett State Bank leads on 3 and Owen County State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.