Side-by-side · Q2 2026 data
The Old Fort Banking Company vs Mechanics Bank
Metric by metric
| Measure | The Old Fort Banking Company | Mechanics Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 61 |
| Capital cushion | 39 (stronger) | 34 |
| Loan quality | 93 (stronger) | 86 |
| Earnings | 78 (stronger) | 49 |
| Funding & liquidity | 78 (stronger) | 67 |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 50th | 20th |
| Total assets | $843.9M | $896.4M |
| Deposits / shares | $781.8M | $790.2M |
| Capital ratio | 8.89% (stronger) | 8.44% |
| Problem loans | 0.20% (stronger) | 0.42% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.44% (stronger) | 0.72% |
| Loans ÷ deposits | 61.3% (stronger) | 92.9% |
| Uninsured deposits | 33.6% | 6.9% (stronger) |
| Offices | 10 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.8% | 3.7% |
The Old Fort Banking Company has the higher TellerScore (72 vs 61). On the 7 directional measures above (where higher or lower is clearly better), The Old Fort Banking Company leads on 5 and Mechanics Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.