Side-by-side · Q2 2026 data
Independence State Bank vs Oakwood Bank
Metric by metric
| Measure | Independence State Bank | Oakwood Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 62 |
| Capital cushion | 54 (stronger) | 35 |
| Loan quality | 100 (stronger) | 72 |
| Earnings | 68 | 81 (stronger) |
| Funding & liquidity | 71 (stronger) | 58 |
| Problem-loan coverage | 100 (stronger) | 88 |
| Peer percentile | 54th | 22nd |
| Total assets | $84.2M | $156.4M |
| Deposits / shares | $72.2M | $123.9M |
| Capital ratio | 10.38% (stronger) | 8.48% |
| Problem loans | 0.00% (stronger) | 0.84% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.20% | 1.53% (stronger) |
| Loans ÷ deposits | 89.7% (stronger) | 102.3% |
| Uninsured deposits | 14.9% | 14.6% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Independence State Bank has the higher TellerScore (75 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Independence State Bank leads on 5 and Oakwood Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.