Side-by-side · Q2 2026 data
FNB Oxford Bank vs First State Bank
Metric by metric
| Measure | FNB Oxford Bank | First State Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 57 |
| Capital cushion | 69 (stronger) | 57 |
| Loan quality | 96 (stronger) | 61 |
| Earnings | 53 (stronger) | 34 |
| Funding & liquidity | 62 | 65 (stronger) |
| Problem-loan coverage | 99 (stronger) | 81 |
| Peer percentile | 61st | 14th |
| Total assets | $939.7M | $951.5M |
| Deposits / shares | $786.9M | $828.0M |
| Capital ratio | 11.87% (stronger) | 10.67% |
| Problem loans | 0.13% (stronger) | 1.18% |
| Net charge-offs | 0.02% (stronger) | 0.11% |
| Return on assets | 0.83% (stronger) | 0.34% |
| Loans ÷ deposits | 67.0% | 63.8% (stronger) |
| Uninsured deposits | 43.4% | 42.8% (stronger) |
| Offices | 7 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.9% |
FNB Oxford Bank has the higher TellerScore (75 vs 57). On the 7 directional measures above (where higher or lower is clearly better), FNB Oxford Bank leads on 5 and First State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.