Side-by-side · Q2 2026 data
First Option Bank vs Legacy Bank
Metric by metric
| Measure | First Option Bank | Legacy Bank |
|---|---|---|
| TellerScore | 68 | 74 (stronger) |
| Capital cushion | 32 | 56 (stronger) |
| Loan quality | 99 (stronger) | 98 |
| Earnings | 77 (stronger) | 69 |
| Funding & liquidity | 60 (stronger) | 57 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 37th | 57th |
| Total assets | $817.6M | $865.0M |
| Deposits / shares | $722.1M | $721.8M |
| Capital ratio | 8.18% | 10.55% (stronger) |
| Problem loans | 0.02% (stronger) | 0.06% |
| Net charge-offs | 0.53% | 0.01% (stronger) |
| Return on assets | 1.44% (stronger) | 1.22% |
| Loans ÷ deposits | 66.8% (stronger) | 93.2% |
| Uninsured deposits | 44.8% | 24.2% (stronger) |
| Offices | 10 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.6% | 4.8% |
Legacy Bank has the higher TellerScore (74 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Option Bank leads on 3 and Legacy Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.