Side-by-side · Q2 2026 data
First Bank vs Oakstar Bank
Metric by metric
| Measure | First Bank | Oakstar Bank |
|---|---|---|
| TellerScore | 66 | 69 (stronger) |
| Capital cushion | 47 | 48 (stronger) |
| Loan quality | 91 (stronger) | 84 |
| Earnings | 46 | 79 (stronger) |
| Funding & liquidity | 72 (stronger) | 56 |
| Problem-loan coverage | 95 (stronger) | 92 |
| Peer percentile | 40th | 53rd |
| Total assets | $6.7B | $3.3B |
| Deposits / shares | $5.8B | $2.8B |
| Capital ratio | 9.67% | 9.79% (stronger) |
| Problem loans | 0.27% (stronger) | 0.48% |
| Net charge-offs | 0.17% | 0.08% (stronger) |
| Return on assets | 0.66% | 1.48% (stronger) |
| Loans ÷ deposits | 72.3% (stronger) | 100.5% |
| Uninsured deposits | 29.6% | 18.5% (stronger) |
| Offices | 74 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.1% | 4.7% |
Oakstar Bank has the higher TellerScore (69 vs 66). On the 7 directional measures above (where higher or lower is clearly better), First Bank leads on 2 and Oakstar Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.