Side-by-side · Q2 2026 data
First Bank of Ohio vs Williamstown Bank, Inc.
Metric by metric
| Measure | First Bank of Ohio | Williamstown Bank, Inc. |
|---|---|---|
| TellerScore | 90 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 51 |
| Loan quality | 91 (stronger) | 88 |
| Earnings | 98 (stronger) | 44 |
| Funding & liquidity | 50 | 72 (stronger) |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 95th | 31st |
| Total assets | $278.4M | $236.7M |
| Deposits / shares | $176.2M | $212.3M |
| Capital ratio | 35.51% (stronger) | 10.14% |
| Problem loans | 0.26% (stronger) | 0.37% |
| Net charge-offs | 1.43% | 0.07% (stronger) |
| Return on assets | 1.96% (stronger) | 0.60% |
| Loans ÷ deposits | 107.4% | 88.1% (stronger) |
| Uninsured deposits | 17.3% | 8.2% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.1% |
First Bank of Ohio has the higher TellerScore (90 vs 66). On the 7 directional measures above (where higher or lower is clearly better), First Bank of Ohio leads on 4 and Williamstown Bank, Inc. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.