Side-by-side · Q2 2026 data
Bank Independent vs Oakworth Capital Bank
Metric by metric
| Measure | Bank Independent | Oakworth Capital Bank |
|---|---|---|
| TellerScore | 65 (stronger) | 58 |
| Capital cushion | 48 (stronger) | 46 |
| Loan quality | 93 (stronger) | 77 |
| Earnings | 45 | 67 (stronger) |
| Funding & liquidity | 55 (stronger) | 17 |
| Problem-loan coverage | 97 (stronger) | 87 |
| Peer percentile | 36th | 17th |
| Total assets | $2.9B | $2.1B |
| Deposits / shares | $2.5B | $1.8B |
| Capital ratio | 9.82% (stronger) | 9.60% |
| Problem loans | 0.22% (stronger) | 0.68% |
| Net charge-offs | 0.24% | 0.22% (stronger) |
| Return on assets | 0.63% | 1.17% (stronger) |
| Loans ÷ deposits | 74.4% (stronger) | 96.5% |
| Uninsured deposits | 42.9% (stronger) | 56.8% |
| Offices | 30 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank Independent has the higher TellerScore (65 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Bank Independent leads on 5 and Oakworth Capital Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.