Side-by-side · Q2 2026 data
State Bank Financial vs Oak Bank
Metric by metric
| Measure | State Bank Financial | Oak Bank |
|---|---|---|
| TellerScore | 73 | 77 (stronger) |
| Capital cushion | 49 | 73 (stronger) |
| Loan quality | 96 | 99 (stronger) |
| Earnings | 70 | 71 (stronger) |
| Funding & liquidity | 66 (stronger) | 40 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 53rd | 68th |
| Total assets | $512.1M | $486.3M |
| Deposits / shares | $439.0M | $419.6M |
| Capital ratio | 9.94% | 12.28% (stronger) |
| Problem loans | 0.11% | 0.04% (stronger) |
| Net charge-offs | -0.03% (stronger) | -0.00% |
| Return on assets | 1.25% | 1.28% (stronger) |
| Loans ÷ deposits | 78.5% (stronger) | 89.3% |
| Uninsured deposits | 29.4% (stronger) | 42.7% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 1.9% |
Oak Bank has the higher TellerScore (77 vs 73). On the 7 directional measures above (where higher or lower is clearly better), State Bank Financial leads on 3 and Oak Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.