Side-by-side · Q2 2026 data
Brannen Bank vs OptimumBank
Metric by metric
| Measure | Brannen Bank | OptimumBank |
|---|---|---|
| TellerScore | 65 | 76 (stronger) |
| Capital cushion | 11 | 55 (stronger) |
| Loan quality | 85 | 94 (stronger) |
| Earnings | 99 (stronger) | 98 |
| Funding & liquidity | 82 (stronger) | 47 |
| Problem-loan coverage | 86 | 97 (stronger) |
| Peer percentile | 36th | 80th |
| Total assets | $1.0B | $1.4B |
| Deposits / shares | $991.9M | $1.2B |
| Capital ratio | 6.07% | 10.54% (stronger) |
| Problem loans | 0.45% | 0.18% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.97% (stronger) | 1.95% |
| Loans ÷ deposits | 53.7% (stronger) | 97.9% |
| Uninsured deposits | 31.1% | 28.7% (stronger) |
| Offices | 11 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.6% | — |
OptimumBank has the higher TellerScore (76 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Brannen Bank leads on 3 and OptimumBank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.