Bank Comparison
Owen County State Bank vs Tcm Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 14
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Owen County State Bank | Tcm Bank, N.A. |
|---|---|---|
| CET1 Ratio | 12.61% | 20.92% |
| Tier 1 Capital Ratio | 12.61% | 20.92% |
| Total Capital Ratio | 13.86% | 22.19% |
| Tier 1 Leverage Ratio | 8.50% | 18.37% |
| Equity / Assets | 6.79% | 19.28% |
Profitability
| Metric | Owen County State Bank | Tcm Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.70% | -1.08% |
| Return on Equity (ROE) | 10.61% | -5.61% |
| Net Interest Margin (NIM) | 3.34% | 6.20% |
| Yield on Earning Assets | 5.60% | 9.32% |
| Cost of Funds | 2.38% | 3.80% |
Asset quality
| Metric | Owen County State Bank | Tcm Bank, N.A. |
|---|---|---|
| Texas Ratio | 7.94% | 4.78% |
| Non-Performing Loan Ratio | 0.72% | 0.15% |
| Non-Performing Asset Ratio | 0.50% | 0.12% |
| Net Charge-Off Ratio | 0.00% | 3.64% |
| ACL / Loans | 1.30% | 3.56% |
Balance sheet
| Metric | Owen County State Bank | Tcm Bank, N.A. |
|---|---|---|
| Total Assets | $391,553K | $391,166K |
| Total Deposits | $326,709K | $295,436K |
| Total Loans | $268,289K | $305,525K |
| Total Equity | $26,587K | $75,426K |
| Net Income (quarter) | $700 | $-1,067 |
Liquidity & funding
| Metric | Owen County State Bank | Tcm Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 82.12% | 103.41% |
| Core Deposit Ratio | 92.74% | 15.90% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Owen County State Bank | Tcm Bank, N.A. |
|---|---|---|
| Headquarters City | SPENCER | TAMPA |
| Headquarters State | IN | FL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 23363 |
| Regulator | FDIC | OCC |
| Domestic Branches | 8 | 1 |
| Employees (FTE) | 75 | 91 |
| Established | Jan. 1, 1934, midnight | May 18, 1998, 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 Tcm Bank, N.A. profile | Browse all bank comparisons