Side-by-side · Q2 2026 data
OneLocal Bank vs MountainOne Bank
Metric by metric
| Measure | OneLocal Bank | MountainOne Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 73 |
| Capital cushion | 87 | 97 (stronger) |
| Loan quality | 93 (stronger) | 65 |
| Earnings | 59 | 69 (stronger) |
| Funding & liquidity | 29 | 33 (stronger) |
| Problem-loan coverage | 97 (stronger) | 89 |
| Peer percentile | 77th | 70th |
| Total assets | $1.1B | $1.1B |
| Deposits / shares | $843.0M | $774.3M |
| Capital ratio | 13.68% | 14.75% (stronger) |
| Problem loans | 0.21% (stronger) | 1.06% |
| Net charge-offs | 0.00% (stronger) | 0.16% |
| Return on assets | 0.99% | 1.22% (stronger) |
| Loans ÷ deposits | 107.1% | 107.0% (stronger) |
| Uninsured deposits | 36.8% | 33.6% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | 19.4% |
OneLocal Bank has the higher TellerScore (75 vs 73). On the 7 directional measures above (where higher or lower is clearly better), OneLocal Bank leads on 3 and MountainOne Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.