Side-by-side · Q2 2026 data
One Community Bank vs Town Bank, National Association
Metric by metric
| Measure | One Community Bank | Town Bank, National Association |
|---|---|---|
| TellerScore | 74 (stronger) | 70 |
| Capital cushion | 78 (stronger) | 47 |
| Loan quality | 81 | 93 (stronger) |
| Earnings | 73 | 77 (stronger) |
| Funding & liquidity | 40 | 51 (stronger) |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 74th | 58th |
| Total assets | $2.6B | $4.7B |
| Deposits / shares | $2.1B | $3.8B |
| Capital ratio | 12.78% (stronger) | 9.75% |
| Problem loans | 0.58% | 0.22% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.09% |
| Return on assets | 1.33% | 1.42% (stronger) |
| Loans ÷ deposits | 106.7% | 91.7% (stronger) |
| Uninsured deposits | 27.0% (stronger) | 31.0% |
| Offices | 17 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.1% | 5.7% |
One Community Bank has the higher TellerScore (74 vs 70). On the 7 directional measures above (where higher or lower is clearly better), One Community Bank leads on 4 and Town Bank, National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.