Side-by-side · Q2 2026 data
The Ottoville Bank Company vs The Union Bank Company
Metric by metric
| Measure | The Ottoville Bank Company | The Union Bank Company |
|---|---|---|
| TellerScore | 95 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 78 (stronger) | 57 |
| Funding & liquidity | 95 (stronger) | 74 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 97th | 74th |
| Total assets | $93.8M | $1.4B |
| Deposits / shares | $72.9M | $1.2B |
| Capital ratio | 21.40% (stronger) | 10.78% |
| Problem loans | 0.00% (stronger) | 0.12% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.46% (stronger) | 0.92% |
| Loans ÷ deposits | 51.1% (stronger) | 71.7% |
| Uninsured deposits | 19.7% (stronger) | 28.2% |
| Offices | 1 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.5% |
The Ottoville Bank Company has the higher TellerScore (95 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The Ottoville Bank Company leads on 7 and The Union Bank Company on 0. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.