Side-by-side · Q2 2026 data
FNB Oxford Bank vs Bank of Commerce
Metric by metric
| Measure | FNB Oxford Bank | Bank of Commerce |
|---|---|---|
| TellerScore | 75 (stronger) | 72 |
| Capital cushion | 69 | 79 (stronger) |
| Loan quality | 96 (stronger) | 71 |
| Earnings | 53 | 65 (stronger) |
| Funding & liquidity | 62 (stronger) | 59 |
| Problem-loan coverage | 99 (stronger) | 91 |
| Peer percentile | 61st | 66th |
| Total assets | $939.7M | $1.1B |
| Deposits / shares | $786.9M | $996.2M |
| Capital ratio | 11.87% | 12.85% (stronger) |
| Problem loans | 0.13% (stronger) | 0.88% |
| Net charge-offs | 0.02% (stronger) | 0.14% |
| Return on assets | 0.83% | 1.13% (stronger) |
| Loans ÷ deposits | 67.0% | 65.2% (stronger) |
| Uninsured deposits | 43.4% (stronger) | 47.2% |
| Offices | 7 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.1% |
FNB Oxford Bank has the higher TellerScore (75 vs 72). On the 7 directional measures above (where higher or lower is clearly better), FNB Oxford Bank leads on 4 and Bank of Commerce on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.