Bank Comparison
Owen County State Bank vs Esb Financial
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 11
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Owen County State Bank | Esb Financial |
|---|---|---|
| CET1 Ratio | 12.61% | 12.00% |
| Tier 1 Capital Ratio | 12.61% | 12.00% |
| Total Capital Ratio | 13.86% | 12.92% |
| Tier 1 Leverage Ratio | 8.50% | 8.86% |
| Equity / Assets | 6.79% | 7.84% |
Profitability
| Metric | Owen County State Bank | Esb Financial |
|---|---|---|
| Return on Assets (ROA) | 0.70% | 1.59% |
| Return on Equity (ROE) | 10.61% | 19.78% |
| Net Interest Margin (NIM) | 3.34% | 3.55% |
| Yield on Earning Assets | 5.60% | 5.27% |
| Cost of Funds | 2.38% | 1.86% |
Asset quality
| Metric | Owen County State Bank | Esb Financial |
|---|---|---|
| Texas Ratio | 7.94% | 17.99% |
| Non-Performing Loan Ratio | 0.72% | 2.26% |
| Non-Performing Asset Ratio | 0.50% | 1.53% |
| Net Charge-Off Ratio | 0.00% | 0.07% |
| ACL / Loans | 1.30% | 0.96% |
Balance sheet
| Metric | Owen County State Bank | Esb Financial |
|---|---|---|
| Total Assets | $391,553K | $392,688K |
| Total Deposits | $326,709K | $343,371K |
| Total Loans | $268,289K | $265,550K |
| Total Equity | $26,587K | $30,780K |
| Net Income (quarter) | $700 | $1,531K |
Liquidity & funding
| Metric | Owen County State Bank | Esb Financial |
|---|---|---|
| Loan-to-Deposit Ratio | 82.12% | 77.34% |
| Core Deposit Ratio | 92.74% | 92.87% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Owen County State Bank | Esb Financial |
|---|---|---|
| Headquarters City | SPENCER | EMPORIA |
| Headquarters State | IN | KS |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 8 | 4 |
| Employees (FTE) | 75 | 58 |
| Established | Jan. 1, 1934, midnight | March 16, 1901, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Owen County State Bank profile | View full Esb Financial profile | Browse all bank comparisons