Side-by-side · Q2 2026 data
Bank of Winnfield & Trust Company vs Bank of Oak Ridge
Metric by metric
| Measure | Bank of Winnfield & Trust Company | Bank of Oak Ridge |
|---|---|---|
| TellerScore | 80 (stronger) | 72 |
| Capital cushion | 94 (stronger) | 66 |
| Loan quality | 78 | 100 (stronger) |
| Earnings | 50 | 63 (stronger) |
| Funding & liquidity | 87 (stronger) | 31 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 77th | 50th |
| Total assets | $156.0M | $138.6M |
| Deposits / shares | $136.9M | $121.8M |
| Capital ratio | 14.43% (stronger) | 11.59% |
| Problem loans | 0.67% | 0.00% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.08% |
| Return on assets | 0.74% | 1.07% (stronger) |
| Loans ÷ deposits | 41.4% (stronger) | 92.0% |
| Uninsured deposits | 27.3% (stronger) | 48.2% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Winnfield & Trust Company has the higher TellerScore (80 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Bank of Winnfield & Trust Company leads on 5 and Bank of Oak Ridge on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.