Side-by-side · Q2 2026 data
First Bank of Alabama vs Oakworth Capital Bank
Metric by metric
| Measure | First Bank of Alabama | Oakworth Capital Bank |
|---|---|---|
| TellerScore | 45 | 58 (stronger) |
| Capital cushion | 48 (stronger) | 46 |
| Loan quality | 0 | 77 (stronger) |
| Earnings | 72 (stronger) | 67 |
| Funding & liquidity | 72 (stronger) | 17 |
| Problem-loan coverage | 51 | 87 (stronger) |
| Peer percentile | 4th | 17th |
| Total assets | $1.4B | $2.1B |
| Deposits / shares | $1.2B | $1.8B |
| Capital ratio | 9.82% (stronger) | 9.60% |
| Problem loans | 3.40% | 0.68% (stronger) |
| Net charge-offs | 0.34% | 0.22% (stronger) |
| Return on assets | 1.31% (stronger) | 1.17% |
| Loans ÷ deposits | 65.9% (stronger) | 96.5% |
| Uninsured deposits | 34.8% (stronger) | 56.8% |
| Offices | 18 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Oakworth Capital Bank has the higher TellerScore (58 vs 45). On the 7 directional measures above (where higher or lower is clearly better), First Bank of Alabama leads on 4 and Oakworth Capital Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.