Side-by-side · Q2 2026 data
The First National Bank of Oneida vs Volunteer Federal Savings Bank
Metric by metric
| Measure | The First National Bank of Oneida | Volunteer Federal Savings Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 75 |
| Capital cushion | 60 | 62 (stronger) |
| Loan quality | 91 (stronger) | 89 |
| Earnings | 99 (stronger) | 57 |
| Funding & liquidity | 81 | 89 (stronger) |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 82nd | 61st |
| Total assets | $367.8M | $397.1M |
| Deposits / shares | $328.0M | $353.5M |
| Capital ratio | 10.98% | 11.23% (stronger) |
| Problem loans | 0.27% (stronger) | 0.34% |
| Net charge-offs | 0.01% (stronger) | 0.01% |
| Return on assets | 1.97% (stronger) | 0.92% |
| Loans ÷ deposits | 68.9% (stronger) | 71.6% |
| Uninsured deposits | 24.2% | 14.7% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Oneida has the higher TellerScore (82 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Oneida leads on 5 and Volunteer Federal Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.