Side-by-side · Q2 2026 data
O'Bannon Banking Company vs First State Community Bank
Metric by metric
| Measure | O'Bannon Banking Company | First State Community Bank |
|---|---|---|
| TellerScore | 59 | 73 (stronger) |
| Capital cushion | 44 | 67 (stronger) |
| Loan quality | 51 | 64 (stronger) |
| Earnings | 66 | 93 (stronger) |
| Funding & liquidity | 78 (stronger) | 61 |
| Problem-loan coverage | 78 | 87 (stronger) |
| Peer percentile | 17th | 70th |
| Total assets | $332.6M | $4.5B |
| Deposits / shares | $297.0M | $3.8B |
| Capital ratio | 9.36% | 11.68% (stronger) |
| Problem loans | 1.46% | 1.07% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.12% |
| Return on assets | 1.16% | 1.82% (stronger) |
| Loans ÷ deposits | 82.5% (stronger) | 90.4% |
| Uninsured deposits | 13.7% (stronger) | 23.0% |
| Offices | 5 | 48 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.4% | 15.4% |
First State Community Bank has the higher TellerScore (73 vs 59). On the 7 directional measures above (where higher or lower is clearly better), O'Bannon Banking Company leads on 3 and First State Community Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.