Side-by-side · Q2 2026 data
Oconee State Bank vs First National Community Bank
Metric by metric
| Measure | Oconee State Bank | First National Community Bank |
|---|---|---|
| TellerScore | 44 | 84 (stronger) |
| Capital cushion | 50 | 79 (stronger) |
| Loan quality | 6 | 86 (stronger) |
| Earnings | 53 | 96 (stronger) |
| Funding & liquidity | 70 (stronger) | 64 |
| Problem-loan coverage | 60 | 96 (stronger) |
| Peer percentile | 4th | 86th |
| Total assets | $744.1M | $754.7M |
| Deposits / shares | $658.3M | $653.2M |
| Capital ratio | 9.98% | 12.92% (stronger) |
| Problem loans | 2.83% | 0.43% (stronger) |
| Net charge-offs | 0.02% | -0.01% (stronger) |
| Return on assets | 0.81% | 1.90% (stronger) |
| Loans ÷ deposits | 81.6% | 81.6% (stronger) |
| Uninsured deposits | 22.5% (stronger) | 28.2% |
| Offices | 6 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.0% | 10.0% |
First National Community Bank has the higher TellerScore (84 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Oconee State Bank leads on 1 and First National Community Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.