Side-by-side · Q2 2026 data
The First National Bank of Oneida vs Tower Community Bank
Metric by metric
| Measure | The First National Bank of Oneida | Tower Community Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 70 |
| Capital cushion | 60 (stronger) | 54 |
| Loan quality | 91 (stronger) | 86 |
| Earnings | 99 (stronger) | 67 |
| Funding & liquidity | 81 (stronger) | 64 |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 82nd | 43rd |
| Total assets | $367.8M | $375.4M |
| Deposits / shares | $328.0M | $329.3M |
| Capital ratio | 10.98% (stronger) | 10.43% |
| Problem loans | 0.27% (stronger) | 0.43% |
| Net charge-offs | 0.01% (stronger) | 0.07% |
| Return on assets | 1.97% (stronger) | 1.19% |
| Loans ÷ deposits | 68.9% (stronger) | 85.2% |
| Uninsured deposits | 24.2% (stronger) | 25.5% |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.7% |
The First National Bank of Oneida has the higher TellerScore (82 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Oneida leads on 7 and Tower Community Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.