Side-by-side · Q2 2026 data
The First National Bank of Oneida vs RockPointBank, National Association
Metric by metric
| Measure | The First National Bank of Oneida | RockPointBank, National Association |
|---|---|---|
| TellerScore | 82 (stronger) | 68 |
| Capital cushion | 60 | 71 (stronger) |
| Loan quality | 91 | 96 (stronger) |
| Earnings | 99 (stronger) | 33 |
| Funding & liquidity | 81 (stronger) | 44 |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 82nd | 37th |
| Total assets | $367.8M | $384.5M |
| Deposits / shares | $328.0M | $335.8M |
| Capital ratio | 10.98% | 12.13% (stronger) |
| Problem loans | 0.27% | 0.13% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.97% (stronger) | 0.33% |
| Loans ÷ deposits | 68.9% (stronger) | 92.1% |
| Uninsured deposits | 24.2% (stronger) | 36.6% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.3% |
The First National Bank of Oneida has the higher TellerScore (82 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Oneida leads on 4 and RockPointBank, National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.