Side-by-side · Q2 2026 data
FNB Oxford Bank vs First Security Bank
Metric by metric
| Measure | FNB Oxford Bank | First Security Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 66 |
| Capital cushion | 69 (stronger) | 43 |
| Loan quality | 96 (stronger) | 82 |
| Earnings | 53 | 73 (stronger) |
| Funding & liquidity | 62 (stronger) | 59 |
| Problem-loan coverage | 99 (stronger) | 91 |
| Peer percentile | 61st | 31st |
| Total assets | $939.7M | $976.5M |
| Deposits / shares | $786.9M | $837.7M |
| Capital ratio | 11.87% (stronger) | 9.28% |
| Problem loans | 0.13% (stronger) | 0.55% |
| Net charge-offs | 0.02% (stronger) | 0.05% |
| Return on assets | 0.83% | 1.33% (stronger) |
| Loans ÷ deposits | 67.0% (stronger) | 71.4% |
| Uninsured deposits | 43.4% | 42.0% (stronger) |
| Offices | 7 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.0% |
FNB Oxford Bank has the higher TellerScore (75 vs 66). On the 7 directional measures above (where higher or lower is clearly better), FNB Oxford Bank leads on 5 and First Security Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.