Side-by-side · Q2 2026 data
River Bank & Trust vs Oakworth Capital Bank
Metric by metric
| Measure | River Bank & Trust | Oakworth Capital Bank |
|---|---|---|
| TellerScore | 66 (stronger) | 58 |
| Capital cushion | 42 | 46 (stronger) |
| Loan quality | 84 (stronger) | 77 |
| Earnings | 80 (stronger) | 67 |
| Funding & liquidity | 49 (stronger) | 17 |
| Problem-loan coverage | 92 (stronger) | 87 |
| Peer percentile | 40th | 17th |
| Total assets | $4.0B | $2.1B |
| Deposits / shares | $3.5B | $1.8B |
| Capital ratio | 9.23% | 9.60% (stronger) |
| Problem loans | 0.48% (stronger) | 0.68% |
| Net charge-offs | 0.02% (stronger) | 0.22% |
| Return on assets | 1.49% (stronger) | 1.17% |
| Loans ÷ deposits | 80.5% (stronger) | 96.5% |
| Uninsured deposits | 42.9% (stronger) | 56.8% |
| Offices | 25 | 4 |
| CFPB complaints (3 yrs) | 17 | — |
| Complaints per $1B deposits | 4.8 | — |
| Mortgage denial rate (HMDA) | — | — |
River Bank & Trust has the higher TellerScore (66 vs 58). On the 7 directional measures above (where higher or lower is clearly better), River Bank & Trust leads on 6 and Oakworth Capital Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.