Side-by-side · Q2 2026 data
First State Bank of Blakely vs Oconee State Bank
Metric by metric
| Measure | First State Bank of Blakely | Oconee State Bank |
|---|---|---|
| TellerScore | 65 (stronger) | 44 |
| Capital cushion | 100 (stronger) | 50 |
| Loan quality | 0 | 6 (stronger) |
| Earnings | 92 (stronger) | 53 |
| Funding & liquidity | 61 | 70 (stronger) |
| Problem-loan coverage | 76 (stronger) | 60 |
| Peer percentile | 29th | 4th |
| Total assets | $668.2M | $744.1M |
| Deposits / shares | $533.3M | $658.3M |
| Capital ratio | 19.19% (stronger) | 9.98% |
| Problem loans | 3.36% | 2.83% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.02% |
| Return on assets | 1.79% (stronger) | 0.81% |
| Loans ÷ deposits | 84.0% | 81.6% (stronger) |
| Uninsured deposits | 28.5% | 22.5% (stronger) |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.0% |
First State Bank of Blakely has the higher TellerScore (65 vs 44). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Blakely leads on 4 and Oconee State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.