Side-by-side · Q2 2026 data
FNB Oxford Bank vs The Peoples Bank
Metric by metric
| Measure | FNB Oxford Bank | The Peoples Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 72 |
| Capital cushion | 69 (stronger) | 52 |
| Loan quality | 96 (stronger) | 89 |
| Earnings | 53 | 60 (stronger) |
| Funding & liquidity | 62 | 83 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 61st | 50th |
| Total assets | $939.7M | $581.8M |
| Deposits / shares | $786.9M | $522.6M |
| Capital ratio | 11.87% (stronger) | 10.25% |
| Problem loans | 0.13% (stronger) | 0.34% |
| Net charge-offs | 0.02% | -0.03% (stronger) |
| Return on assets | 0.83% | 1.00% (stronger) |
| Loans ÷ deposits | 67.0% | 45.2% (stronger) |
| Uninsured deposits | 43.4% | 30.5% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
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 3 and The Peoples Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.