Side-by-side · Q2 2026 data
FirstOak Bank vs Andover State Bank
Metric by metric
| Measure | FirstOak Bank | Andover State Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 59 |
| Capital cushion | 55 (stronger) | 40 |
| Loan quality | 100 (stronger) | 78 |
| Earnings | 74 (stronger) | 63 |
| Funding & liquidity | 61 (stronger) | 60 |
| Problem-loan coverage | 100 (stronger) | 63 |
| Peer percentile | 61st | 17th |
| Total assets | $241.2M | $232.2M |
| Deposits / shares | $212.3M | $208.2M |
| Capital ratio | 10.48% (stronger) | 8.95% |
| Problem loans | 0.00% (stronger) | 0.67% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.35% (stronger) | 1.07% |
| Loans ÷ deposits | 87.2% (stronger) | 90.0% |
| Uninsured deposits | 26.5% | 24.4% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.5% | 6.9% |
FirstOak Bank has the higher TellerScore (75 vs 59). On the 7 directional measures above (where higher or lower is clearly better), FirstOak Bank leads on 6 and Andover State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.