Side-by-side · Q2 2026 data
The Monticello Banking Company vs The First National Bank of Oneida
Metric by metric
| Measure | The Monticello Banking Company | The First National Bank of Oneida |
|---|---|---|
| TellerScore | 71 | 82 (stronger) |
| Capital cushion | 52 | 60 (stronger) |
| Loan quality | 96 (stronger) | 91 |
| Earnings | 59 | 99 (stronger) |
| Funding & liquidity | 62 | 81 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 63rd | 82nd |
| Total assets | $1.1B | $367.8M |
| Deposits / shares | $924.3M | $328.0M |
| Capital ratio | 10.17% | 10.98% (stronger) |
| Problem loans | 0.11% (stronger) | 0.27% |
| Net charge-offs | 0.01% | 0.01% (stronger) |
| Return on assets | 0.97% | 1.97% (stronger) |
| Loans ÷ deposits | 82.8% | 68.9% (stronger) |
| Uninsured deposits | 28.7% | 24.2% (stronger) |
| Offices | 21 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | — |
The First National Bank of Oneida has the higher TellerScore (82 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The Monticello Banking Company leads on 1 and The First National Bank of Oneida on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.