Side-by-side · Q2 2026 data
Great Oaks Bank vs River City Bank
Metric by metric
| Measure | Great Oaks Bank | River City Bank |
|---|---|---|
| TellerScore | 76 | 77 (stronger) |
| Capital cushion | 53 (stronger) | 51 |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 77 | 89 (stronger) |
| Funding & liquidity | 73 (stronger) | 60 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 64th | 68th |
| Total assets | $422.0M | $423.4M |
| Deposits / shares | $374.4M | $380.9M |
| Capital ratio | 10.25% (stronger) | 10.15% |
| Problem loans | 0.10% | 0.00% (stronger) |
| Net charge-offs | -0.01% | -0.02% (stronger) |
| Return on assets | 1.42% | 1.71% (stronger) |
| Loans ÷ deposits | 73.2% (stronger) | 86.2% |
| Uninsured deposits | 27.4% (stronger) | 27.7% |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.7% | 4.1% |
River City Bank has the higher TellerScore (77 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Great Oaks Bank leads on 3 and River City Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.