Side-by-side · Q2 2026 data
State Bank of Chilton vs Oak Bank
Metric by metric
| Measure | State Bank of Chilton | Oak Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 77 |
| Capital cushion | 77 (stronger) | 73 |
| Loan quality | 81 | 99 (stronger) |
| Earnings | 100 (stronger) | 71 |
| Funding & liquidity | 49 (stronger) | 40 |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 77th | 68th |
| Total assets | $516.5M | $486.3M |
| Deposits / shares | $435.9M | $419.6M |
| Capital ratio | 12.75% (stronger) | 12.28% |
| Problem loans | 0.58% | 0.04% (stronger) |
| Net charge-offs | -0.02% (stronger) | -0.00% |
| Return on assets | 2.40% (stronger) | 1.28% |
| Loans ÷ deposits | 98.8% | 89.3% (stronger) |
| Uninsured deposits | 25.7% (stronger) | 42.7% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.9% | 1.9% |
State Bank of Chilton has the higher TellerScore (80 vs 77). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Chilton leads on 5 and Oak Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.