Side-by-side · Q2 2026 data
Piedmont Federal Savings Bank vs Bank of Oak Ridge
Metric by metric
| Measure | Piedmont Federal Savings Bank | Bank of Oak Ridge |
|---|---|---|
| TellerScore | 78 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 75 |
| Loan quality | 95 (stronger) | 40 |
| Earnings | 28 | 69 (stronger) |
| Funding & liquidity | 58 | 59 (stronger) |
| Problem-loan coverage | 99 (stronger) | 79 |
| Peer percentile | 86th | 24th |
| Total assets | $1.3B | $658.1M |
| Deposits / shares | $973.7M | $509.6M |
| Capital ratio | 18.60% (stronger) | 12.53% |
| Problem loans | 0.16% (stronger) | 1.79% |
| Net charge-offs | 0.00% (stronger) | 0.11% |
| Return on assets | 0.21% | 1.23% (stronger) |
| Loans ÷ deposits | 93.5% (stronger) | 101.1% |
| Uninsured deposits | 23.2% | 13.1% (stronger) |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.6% | 12.8% |
Piedmont Federal Savings Bank has the higher TellerScore (78 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Piedmont Federal Savings Bank leads on 5 and Bank of Oak Ridge on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.