Side-by-side · Q2 2026 data
Gibsland Bank & Trust Company vs Bank of Oak Ridge
Metric by metric
| Measure | Gibsland Bank & Trust Company | Bank of Oak Ridge |
|---|---|---|
| TellerScore | 81 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 66 |
| Loan quality | 80 | 100 (stronger) |
| Earnings | 73 (stronger) | 63 |
| Funding & liquidity | 58 (stronger) | 31 |
| Problem-loan coverage | 74 | 100 (stronger) |
| Peer percentile | 80th | 50th |
| Total assets | $574.3M | $138.6M |
| Deposits / shares | $459.0M | $121.8M |
| Capital ratio | 16.50% (stronger) | 11.59% |
| Problem loans | 0.61% | 0.00% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.08% |
| Return on assets | 1.32% (stronger) | 1.07% |
| Loans ÷ deposits | 92.5% | 92.0% (stronger) |
| Uninsured deposits | 24.1% (stronger) | 48.2% |
| Offices | 17 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gibsland Bank & Trust Company has the higher TellerScore (81 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Gibsland Bank & Trust Company leads on 5 and Bank of Oak Ridge on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.