Side-by-side · Q2 2026 data
Mechanics & Farmers Bank vs Bank of Oak Ridge
Metric by metric
| Measure | Mechanics & Farmers Bank | Bank of Oak Ridge |
|---|---|---|
| TellerScore | 64 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 75 |
| Loan quality | 20 | 40 (stronger) |
| Earnings | 47 | 69 (stronger) |
| Funding & liquidity | 76 (stronger) | 59 |
| Problem-loan coverage | 82 (stronger) | 79 |
| Peer percentile | 26th | 24th |
| Total assets | $476.0M | $658.1M |
| Deposits / shares | $402.2M | $509.6M |
| Capital ratio | 15.10% (stronger) | 12.53% |
| Problem loans | 2.39% | 1.79% (stronger) |
| Net charge-offs | 0.75% | 0.11% (stronger) |
| Return on assets | 0.68% | 1.23% (stronger) |
| Loans ÷ deposits | 67.7% (stronger) | 101.1% |
| Uninsured deposits | 30.2% | 13.1% (stronger) |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.8% |
Mechanics & Farmers Bank has the higher TellerScore (64 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Mechanics & Farmers Bank leads on 3 and Bank of Oak Ridge on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.