Side-by-side · Q2 2026 data
Grove Bank & Trust vs OptimumBank
Metric by metric
| Measure | Grove Bank & Trust | OptimumBank |
|---|---|---|
| TellerScore | 68 | 76 (stronger) |
| Capital cushion | 50 | 55 (stronger) |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 47 | 98 (stronger) |
| Funding & liquidity | 55 (stronger) | 47 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 49th | 80th |
| Total assets | $1.4B | $1.4B |
| Deposits / shares | $1.2B | $1.2B |
| Capital ratio | 9.96% | 10.54% (stronger) |
| Problem loans | 0.01% (stronger) | 0.18% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 0.68% | 1.95% (stronger) |
| Loans ÷ deposits | 70.8% (stronger) | 97.9% |
| Uninsured deposits | 45.5% | 28.7% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
OptimumBank has the higher TellerScore (76 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Grove Bank & Trust leads on 2 and OptimumBank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.