Side-by-side · Q2 2026 data
BLC Community Bank vs Oak Bank
Metric by metric
| Measure | BLC Community Bank | Oak Bank |
|---|---|---|
| TellerScore | 73 | 77 (stronger) |
| Capital cushion | 52 | 73 (stronger) |
| Loan quality | 99 | 99 |
| Earnings | 88 (stronger) | 71 |
| Funding & liquidity | 31 | 40 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 53rd | 68th |
| Total assets | $475.5M | $486.3M |
| Deposits / shares | $378.4M | $419.6M |
| Capital ratio | 10.22% | 12.28% (stronger) |
| Problem loans | 0.02% (stronger) | 0.04% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.70% (stronger) | 1.28% |
| Loans ÷ deposits | 102.0% | 89.3% (stronger) |
| Uninsured deposits | 39.5% (stronger) | 42.7% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.7% | 1.9% |
Oak Bank has the higher TellerScore (77 vs 73). On the 7 directional measures above (where higher or lower is clearly better), BLC Community Bank leads on 3 and Oak Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.