Side-by-side · Q2 2026 data
FNB Oxford Bank vs Bank of Holly Springs
Metric by metric
| Measure | FNB Oxford Bank | Bank of Holly Springs |
|---|---|---|
| TellerScore | 75 (stronger) | 52 |
| Capital cushion | 69 | 81 (stronger) |
| Loan quality | 96 (stronger) | 0 |
| Earnings | 53 | 72 (stronger) |
| Funding & liquidity | 62 (stronger) | 55 |
| Problem-loan coverage | 99 (stronger) | 54 |
| Peer percentile | 61st | 8th |
| Total assets | $939.7M | $587.5M |
| Deposits / shares | $786.9M | $490.8M |
| Capital ratio | 11.87% | 13.09% (stronger) |
| Problem loans | 0.13% (stronger) | 4.61% |
| Net charge-offs | 0.02% (stronger) | 2.13% |
| Return on assets | 0.83% | 1.30% (stronger) |
| Loans ÷ deposits | 67.0% (stronger) | 86.3% |
| Uninsured deposits | 43.4% | 32.0% (stronger) |
| Offices | 7 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.0% |
FNB Oxford Bank has the higher TellerScore (75 vs 52). On the 7 directional measures above (where higher or lower is clearly better), FNB Oxford Bank leads on 4 and Bank of Holly Springs on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.