Side-by-side · Q2 2026 data
Washington State Bank vs South Ottumwa Savings Bank
Metric by metric
| Measure | Washington State Bank | South Ottumwa Savings Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 77 |
| Capital cushion | 75 | 80 (stronger) |
| Loan quality | 84 (stronger) | 72 |
| Earnings | 76 | 76 |
| Funding & liquidity | 66 | 70 (stronger) |
| Problem-loan coverage | 90 | 93 (stronger) |
| Peer percentile | 72nd | 68th |
| Total assets | $601.1M | $565.4M |
| Deposits / shares | $510.5M | $473.9M |
| Capital ratio | 12.48% | 13.00% (stronger) |
| Problem loans | 0.49% (stronger) | 0.83% |
| Net charge-offs | 0.05% | 0.03% (stronger) |
| Return on assets | 1.39% | 1.40% (stronger) |
| Loans ÷ deposits | 70.6% | 67.7% (stronger) |
| Uninsured deposits | 36.8% | 35.1% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | — |
Washington State Bank has the higher TellerScore (78 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Washington State Bank leads on 2 and South Ottumwa Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.