Side-by-side · Q2 2026 data
Oconee State Bank vs PromiseOne Bank
Metric by metric
| Measure | Oconee State Bank | PromiseOne Bank |
|---|---|---|
| TellerScore | 44 | 68 (stronger) |
| Capital cushion | 50 | 51 (stronger) |
| Loan quality | 6 | 73 (stronger) |
| Earnings | 53 | 81 (stronger) |
| Funding & liquidity | 70 (stronger) | 65 |
| Problem-loan coverage | 60 | 85 (stronger) |
| Peer percentile | 4th | 37th |
| Total assets | $744.1M | $812.2M |
| Deposits / shares | $658.3M | $732.2M |
| Capital ratio | 9.98% | 10.12% (stronger) |
| Problem loans | 2.83% | 0.81% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.10% |
| Return on assets | 0.81% | 1.52% (stronger) |
| Loans ÷ deposits | 81.6% (stronger) | 83.7% |
| Uninsured deposits | 22.5% (stronger) | 25.7% |
| Offices | 6 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.0% | — |
PromiseOne Bank has the higher TellerScore (68 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Oconee State Bank leads on 3 and PromiseOne Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.