Side-by-side · Q2 2026 data
First Business Bank vs One Community Bank
Metric by metric
| Measure | First Business Bank | One Community Bank |
|---|---|---|
| TellerScore | 63 | 74 (stronger) |
| Capital cushion | 54 | 78 (stronger) |
| Loan quality | 65 | 81 (stronger) |
| Earnings | 77 (stronger) | 73 |
| Funding & liquidity | 42 (stronger) | 40 |
| Problem-loan coverage | 84 | 93 (stronger) |
| Peer percentile | 30th | 74th |
| Total assets | $4.4B | $2.6B |
| Deposits / shares | $3.6B | $2.1B |
| Capital ratio | 10.37% | 12.78% (stronger) |
| Problem loans | 1.06% | 0.58% (stronger) |
| Net charge-offs | 0.18% | 0.00% (stronger) |
| Return on assets | 1.41% (stronger) | 1.33% |
| Loans ÷ deposits | 98.7% (stronger) | 106.7% |
| Uninsured deposits | 33.2% | 27.0% (stronger) |
| Offices | 4 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | 7.1% |
One Community Bank has the higher TellerScore (74 vs 63). On the 7 directional measures above (where higher or lower is clearly better), First Business Bank leads on 2 and One Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.