Side-by-side · Q2 2026 data
Oxford Bank vs West Shore Bank
Metric by metric
| Measure | Oxford Bank | West Shore Bank |
|---|---|---|
| TellerScore | 53 | 56 (stronger) |
| Capital cushion | 69 (stronger) | 48 |
| Loan quality | 25 | 59 (stronger) |
| Earnings | 57 (stronger) | 53 |
| Funding & liquidity | 55 | 56 (stronger) |
| Problem-loan coverage | 63 | 81 (stronger) |
| Peer percentile | 9th | 13th |
| Total assets | $930.5M | $833.6M |
| Deposits / shares | $782.6M | $720.2M |
| Capital ratio | 11.93% (stronger) | 9.85% |
| Problem loans | 2.26% | 1.24% (stronger) |
| Net charge-offs | -0.06% (stronger) | 0.00% |
| Return on assets | 0.92% (stronger) | 0.83% |
| Loans ÷ deposits | 91.1% | 90.7% (stronger) |
| Uninsured deposits | 27.7% | 27.3% (stronger) |
| Offices | 7 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
West Shore Bank has the higher TellerScore (56 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Oxford Bank leads on 3 and West Shore Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.