Side-by-side · Q2 2026 data
The First National Bank of Oneida vs Builtwell Bank
Metric by metric
| Measure | The First National Bank of Oneida | Builtwell Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 73 |
| Capital cushion | 60 (stronger) | 47 |
| Loan quality | 91 (stronger) | 81 |
| Earnings | 99 | 100 (stronger) |
| Funding & liquidity | 81 (stronger) | 61 |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 82nd | 70th |
| Total assets | $367.8M | $2.3B |
| Deposits / shares | $328.0M | $2.0B |
| Capital ratio | 10.98% (stronger) | 9.71% |
| Problem loans | 0.27% (stronger) | 0.57% |
| Net charge-offs | 0.01% | -0.05% (stronger) |
| Return on assets | 1.97% | 2.07% (stronger) |
| Loans ÷ deposits | 68.9% (stronger) | 76.6% |
| Uninsured deposits | 24.2% (stronger) | 35.9% |
| Offices | 4 | 32 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.5% |
The First National Bank of Oneida has the higher TellerScore (82 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Oneida leads on 5 and Builtwell Bank 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.