Side-by-side · Q2 2026 data
FirstOak Bank vs The Peoples State Bank
Metric by metric
| Measure | FirstOak Bank | The Peoples State Bank |
|---|---|---|
| TellerScore | 75 | 89 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 100 (stronger) | 89 |
| Earnings | 74 | 100 (stronger) |
| Funding & liquidity | 61 (stronger) | 49 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 61st | 87th |
| Total assets | $241.2M | $23.5M |
| Deposits / shares | $212.3M | $17.4M |
| Capital ratio | 10.48% | 19.83% (stronger) |
| Problem loans | 0.00% (stronger) | 0.33% |
| Net charge-offs | -0.00% | -0.07% (stronger) |
| Return on assets | 1.35% | 2.87% (stronger) |
| Loans ÷ deposits | 87.2% (stronger) | 117.7% |
| Uninsured deposits | 26.5% | 16.5% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.5% | — |
The Peoples State Bank has the higher TellerScore (89 vs 75). On the 7 directional measures above (where higher or lower is clearly better), FirstOak Bank leads on 2 and The Peoples State Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.