Side-by-side · Q2 2026 data
Oxford Bank vs First Independence Bank
Metric by metric
| Measure | Oxford Bank | First Independence Bank |
|---|---|---|
| TellerScore | 53 | 74 (stronger) |
| Capital cushion | 69 (stronger) | 58 |
| Loan quality | 25 | 76 (stronger) |
| Earnings | 57 | 100 (stronger) |
| Funding & liquidity | 55 | 57 (stronger) |
| Problem-loan coverage | 63 | 91 (stronger) |
| Peer percentile | 9th | 57th |
| Total assets | $930.5M | $875.3M |
| Deposits / shares | $782.6M | $703.4M |
| Capital ratio | 11.93% (stronger) | 10.82% |
| Problem loans | 2.26% | 0.71% (stronger) |
| Net charge-offs | -0.06% (stronger) | 2.11% |
| Return on assets | 0.92% | 2.08% (stronger) |
| Loans ÷ deposits | 91.1% | 74.6% (stronger) |
| Uninsured deposits | 27.7% (stronger) | 40.7% |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Independence Bank has the higher TellerScore (74 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Oxford Bank leads on 3 and First Independence Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.