Side-by-side · Q2 2026 data
Oconee State Bank vs Barwick Banking Company
Metric by metric
| Measure | Oconee State Bank | Barwick Banking Company |
|---|---|---|
| TellerScore | 44 | 57 (stronger) |
| Capital cushion | 50 (stronger) | 37 |
| Loan quality | 6 | 84 (stronger) |
| Earnings | 53 | 55 (stronger) |
| Funding & liquidity | 70 (stronger) | 31 |
| Problem-loan coverage | 60 | 91 (stronger) |
| Peer percentile | 4th | 14th |
| Total assets | $744.1M | $829.6M |
| Deposits / shares | $658.3M | $702.3M |
| Capital ratio | 9.98% (stronger) | 8.67% |
| Problem loans | 2.83% | 0.49% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.10% |
| Return on assets | 0.81% | 0.87% (stronger) |
| Loans ÷ deposits | 81.6% (stronger) | 98.8% |
| Uninsured deposits | 22.5% (stronger) | 42.1% |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.0% | — |
Barwick Banking Company has the higher TellerScore (57 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Oconee State Bank leads on 4 and Barwick Banking Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.