Side-by-side · Q2 2026 data
First Option Bank vs Dream First Bank, National Association
Metric by metric
| Measure | First Option Bank | Dream First Bank, National Association |
|---|---|---|
| TellerScore | 68 (stronger) | 55 |
| Capital cushion | 32 | 47 (stronger) |
| Loan quality | 99 (stronger) | 38 |
| Earnings | 77 (stronger) | 63 |
| Funding & liquidity | 60 | 79 (stronger) |
| Problem-loan coverage | 95 (stronger) | 73 |
| Peer percentile | 37th | 11th |
| Total assets | $817.6M | $963.7M |
| Deposits / shares | $722.1M | $850.4M |
| Capital ratio | 8.18% | 9.69% (stronger) |
| Problem loans | 0.02% (stronger) | 1.86% |
| Net charge-offs | 0.53% | 0.13% (stronger) |
| Return on assets | 1.44% (stronger) | 1.07% |
| Loans ÷ deposits | 66.8% (stronger) | 76.9% |
| Uninsured deposits | 44.8% | 18.7% (stronger) |
| Offices | 10 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.6% | — |
First Option Bank has the higher TellerScore (68 vs 55). On the 7 directional measures above (where higher or lower is clearly better), First Option Bank leads on 4 and Dream First Bank, National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.