Side-by-side · Q2 2026 data
Five Points Bank vs Equitable Bank
Metric by metric
| Measure | Five Points Bank | Equitable Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 72 |
| Capital cushion | 53 | 54 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 78 (stronger) | 64 |
| Funding & liquidity | 63 (stronger) | 58 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 80th | 50th |
| Total assets | $2.2B | $523.5M |
| Deposits / shares | $2.0B | $448.5M |
| Capital ratio | 10.30% | 10.45% (stronger) |
| Problem loans | 0.01% (stronger) | 0.01% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.45% (stronger) | 1.10% |
| Loans ÷ deposits | 67.9% (stronger) | 99.9% |
| Uninsured deposits | 41.5% | 16.8% (stronger) |
| Offices | 12 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | 7.1% |
Five Points Bank has the higher TellerScore (76 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Five Points Bank leads on 4 and Equitable Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.