Side-by-side · Q2 2026 data
KS Bank, Inc. vs Bank of Oak Ridge
Metric by metric
| Measure | KS Bank, Inc. | Bank of Oak Ridge |
|---|---|---|
| TellerScore | 69 (stronger) | 63 |
| Capital cushion | 40 | 75 (stronger) |
| Loan quality | 96 (stronger) | 40 |
| Earnings | 73 (stronger) | 69 |
| Funding & liquidity | 56 | 59 (stronger) |
| Problem-loan coverage | 97 (stronger) | 79 |
| Peer percentile | 40th | 24th |
| Total assets | $874.5M | $658.1M |
| Deposits / shares | $785.2M | $509.6M |
| Capital ratio | 9.01% | 12.53% (stronger) |
| Problem loans | 0.12% (stronger) | 1.79% |
| Net charge-offs | 0.04% (stronger) | 0.11% |
| Return on assets | 1.33% (stronger) | 1.23% |
| Loans ÷ deposits | 91.0% (stronger) | 101.1% |
| Uninsured deposits | 27.3% | 13.1% (stronger) |
| Offices | 13 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | 12.8% |
KS Bank, Inc. has the higher TellerScore (69 vs 63). On the 7 directional measures above (where higher or lower is clearly better), KS Bank, Inc. leads on 5 and Bank of Oak Ridge on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.