Side-by-side · Q2 2026 data
Fnb South vs Oconee State Bank
Metric by metric
| Measure | Fnb South | Oconee State Bank |
|---|---|---|
| TellerScore | 95 (stronger) | 44 |
| Capital cushion | 100 (stronger) | 50 |
| Loan quality | 100 (stronger) | 6 |
| Earnings | 100 (stronger) | 53 |
| Funding & liquidity | 65 | 70 (stronger) |
| Problem-loan coverage | 99 (stronger) | 60 |
| Peer percentile | 99th | 4th |
| Total assets | $734.8M | $744.1M |
| Deposits / shares | $610.4M | $658.3M |
| Capital ratio | 16.24% (stronger) | 9.98% |
| Problem loans | 0.00% (stronger) | 2.83% |
| Net charge-offs | -1.45% (stronger) | 0.02% |
| Return on assets | 2.64% (stronger) | 0.81% |
| Loans ÷ deposits | 78.9% (stronger) | 81.6% |
| Uninsured deposits | 29.7% | 22.5% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.0% |
Fnb South has the higher TellerScore (95 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Fnb South leads on 6 and Oconee State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.