Side-by-side · Q2 2026 data
FNB Oxford Bank vs First Choice Bank
Metric by metric
| Measure | FNB Oxford Bank | First Choice Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 61 |
| Capital cushion | 69 (stronger) | 45 |
| Loan quality | 96 (stronger) | 90 |
| Earnings | 53 (stronger) | 35 |
| Funding & liquidity | 62 (stronger) | 56 |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 61st | 20th |
| Total assets | $939.7M | $561.0M |
| Deposits / shares | $786.9M | $510.0M |
| Capital ratio | 11.87% (stronger) | 9.52% |
| Problem loans | 0.13% (stronger) | 0.31% |
| Net charge-offs | 0.02% (stronger) | 0.09% |
| Return on assets | 0.83% (stronger) | 0.38% |
| Loans ÷ deposits | 67.0% (stronger) | 78.9% |
| Uninsured deposits | 43.4% | 37.7% (stronger) |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
FNB Oxford Bank has the higher TellerScore (75 vs 61). On the 7 directional measures above (where higher or lower is clearly better), FNB Oxford Bank leads on 6 and First Choice Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.