Side-by-side · Q2 2026 data
First American Bank and Trust Company vs Oconee State Bank
Metric by metric
| Measure | First American Bank and Trust Company | Oconee State Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 44 |
| Capital cushion | 83 (stronger) | 50 |
| Loan quality | 100 (stronger) | 6 |
| Earnings | 99 (stronger) | 53 |
| Funding & liquidity | 44 | 70 (stronger) |
| Problem-loan coverage | 100 (stronger) | 60 |
| Peer percentile | 90th | 4th |
| Total assets | $901.9M | $744.1M |
| Deposits / shares | $753.2M | $658.3M |
| Capital ratio | 13.34% (stronger) | 9.98% |
| Problem loans | 0.00% (stronger) | 2.83% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.98% (stronger) | 0.81% |
| Loans ÷ deposits | 93.1% | 81.6% (stronger) |
| Uninsured deposits | 36.3% | 22.5% (stronger) |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | 6.0% |
First American Bank and Trust Company has the higher TellerScore (86 vs 44). On the 7 directional measures above (where higher or lower is clearly better), First American Bank and Trust Company leads on 5 and Oconee State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Athens, GA
- Watkinsville, GA