Side-by-side · Q2 2026 data
Carter Bank & Trust vs Oak View National Bank
Metric by metric
| Measure | Carter Bank & Trust | Oak View National Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 69 |
| Capital cushion | 67 (stronger) | 32 |
| Loan quality | 66 | 100 (stronger) |
| Earnings | 100 (stronger) | 57 |
| Funding & liquidity | 70 | 84 (stronger) |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 80th | 40th |
| Total assets | $4.8B | $966.1M |
| Deposits / shares | $4.2B | $693.0M |
| Capital ratio | 11.73% (stronger) | 8.16% |
| Problem loans | 1.01% | 0.01% (stronger) |
| Net charge-offs | -0.82% (stronger) | 0.00% |
| Return on assets | 3.66% (stronger) | 0.93% |
| Loans ÷ deposits | 87.7% | 56.0% (stronger) |
| Uninsured deposits | 17.7% (stronger) | 30.1% |
| Offices | 66 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.0% | — |
Carter Bank & Trust has the higher TellerScore (76 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Carter Bank & Trust leads on 5 and Oak View National Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.