Side-by-side · Q2 2026 data
White State Bank vs South Ottumwa Savings Bank
Metric by metric
| Measure | White State Bank | South Ottumwa Savings Bank |
|---|---|---|
| TellerScore | 73 | 77 (stronger) |
| Capital cushion | 62 | 80 (stronger) |
| Loan quality | 56 | 72 (stronger) |
| Earnings | 85 (stronger) | 76 |
| Funding & liquidity | 92 (stronger) | 70 |
| Problem-loan coverage | 92 | 93 (stronger) |
| Peer percentile | 53rd | 68th |
| Total assets | $109.0M | $565.4M |
| Deposits / shares | $96.4M | $473.9M |
| Capital ratio | 11.16% | 13.00% (stronger) |
| Problem loans | 1.31% | 0.83% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.03% |
| Return on assets | 1.62% (stronger) | 1.40% |
| Loans ÷ deposits | 38.8% (stronger) | 67.7% |
| Uninsured deposits | 22.2% (stronger) | 35.1% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
South Ottumwa Savings Bank has the higher TellerScore (77 vs 73). On the 7 directional measures above (where higher or lower is clearly better), White State Bank leads on 4 and South Ottumwa Savings Bank on 3. 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.