Side-by-side · Q2 2026 data
Oxford Bank vs Thumb Bank and Trust
Metric by metric
| Measure | Oxford Bank | Thumb Bank and Trust |
|---|---|---|
| TellerScore | 53 | 77 (stronger) |
| Capital cushion | 69 (stronger) | 44 |
| Loan quality | 25 | 99 (stronger) |
| Earnings | 57 | 86 (stronger) |
| Funding & liquidity | 55 | 78 (stronger) |
| Problem-loan coverage | 63 | 100 (stronger) |
| Peer percentile | 9th | 68th |
| Total assets | $930.5M | $673.3M |
| Deposits / shares | $782.6M | $595.8M |
| Capital ratio | 11.93% (stronger) | 9.44% |
| Problem loans | 2.26% | 0.03% (stronger) |
| Net charge-offs | -0.06% (stronger) | 0.00% |
| Return on assets | 0.92% | 1.65% (stronger) |
| Loans ÷ deposits | 91.1% | 69.5% (stronger) |
| Uninsured deposits | 27.7% | 26.4% (stronger) |
| Offices | 7 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.3% |
Thumb Bank and Trust has the higher TellerScore (77 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Oxford Bank leads on 2 and Thumb Bank and Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.