Side-by-side · Q2 2026 data
The Fidelity Bank vs Bank of Oak Ridge
Metric by metric
| Measure | The Fidelity Bank | Bank of Oak Ridge |
|---|---|---|
| TellerScore | 78 (stronger) | 63 |
| Capital cushion | 65 | 75 (stronger) |
| Loan quality | 86 (stronger) | 40 |
| Earnings | 89 (stronger) | 69 |
| Funding & liquidity | 65 (stronger) | 59 |
| Problem-loan coverage | 94 (stronger) | 79 |
| Peer percentile | 86th | 24th |
| Total assets | $4.7B | $658.1M |
| Deposits / shares | $4.2B | $509.6M |
| Capital ratio | 11.47% | 12.53% (stronger) |
| Problem loans | 0.42% (stronger) | 1.79% |
| Net charge-offs | 0.06% (stronger) | 0.11% |
| Return on assets | 1.73% (stronger) | 1.23% |
| Loans ÷ deposits | 69.2% (stronger) | 101.1% |
| Uninsured deposits | 38.2% | 13.1% (stronger) |
| Offices | 57 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | 12.8% |
The Fidelity Bank has the higher TellerScore (78 vs 63). On the 7 directional measures above (where higher or lower is clearly better), The Fidelity Bank leads on 5 and Bank of Oak Ridge on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.