Side-by-side · Q2 2026 data
FirstOak Bank vs PB&T Bank
Metric by metric
| Measure | FirstOak Bank | PB&T Bank |
|---|---|---|
| TellerScore | 75 | 75 |
| Capital cushion | 55 | 56 (stronger) |
| Loan quality | 100 (stronger) | 82 |
| Earnings | 74 | 100 (stronger) |
| Funding & liquidity | 61 (stronger) | 58 |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 61st | 61st |
| Total assets | $241.2M | $815.2M |
| Deposits / shares | $212.3M | $717.6M |
| Capital ratio | 10.48% | 10.64% (stronger) |
| Problem loans | 0.00% (stronger) | 0.54% |
| Net charge-offs | -0.00% | -0.00% (stronger) |
| Return on assets | 1.35% | 2.35% (stronger) |
| Loans ÷ deposits | 87.2% | 84.1% (stronger) |
| Uninsured deposits | 26.5% (stronger) | 31.3% |
| Offices | 3 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.5% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), FirstOak Bank leads on 2 and PB&T Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.