Side-by-side · Q2 2026 data
First Community Bank vs Oakwood Bank
Metric by metric
| Measure | First Community Bank | Oakwood Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 62 |
| Capital cushion | 54 (stronger) | 35 |
| Loan quality | 89 (stronger) | 72 |
| Earnings | 92 (stronger) | 81 |
| Funding & liquidity | 73 (stronger) | 58 |
| Problem-loan coverage | 95 (stronger) | 88 |
| Peer percentile | 68th | 22nd |
| Total assets | $158.9M | $156.4M |
| Deposits / shares | $141.8M | $123.9M |
| Capital ratio | 10.38% (stronger) | 8.48% |
| Problem loans | 0.34% (stronger) | 0.84% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.81% (stronger) | 1.53% |
| Loans ÷ deposits | 86.5% (stronger) | 102.3% |
| Uninsured deposits | 15.5% | 14.6% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
First Community Bank has the higher TellerScore (77 vs 62). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank leads on 6 and Oakwood Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.