Side-by-side · Q2 2026 data
The Riddell National Bank vs Owen County State Bank
Metric by metric
| Measure | The Riddell National Bank | Owen County State Bank |
|---|---|---|
| TellerScore | 59 | 59 |
| Capital cushion | 35 | 36 (stronger) |
| Loan quality | 69 | 79 (stronger) |
| Earnings | 64 (stronger) | 52 |
| Funding & liquidity | 72 (stronger) | 62 |
| Problem-loan coverage | 80 | 89 (stronger) |
| Peer percentile | 17th | 17th |
| Total assets | $384.3M | $388.5M |
| Deposits / shares | $346.9M | $323.8M |
| Capital ratio | 8.49% | 8.55% (stronger) |
| Problem loans | 0.92% | 0.62% (stronger) |
| Net charge-offs | 0.07% | 0.01% (stronger) |
| Return on assets | 1.09% (stronger) | 0.81% |
| Loans ÷ deposits | 83.7% | 82.3% (stronger) |
| Uninsured deposits | 19.2% (stronger) | 29.3% |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.0% | 19.7% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The Riddell National Bank leads on 2 and Owen County State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.