Side-by-side · Q2 2026 data
Vermilion Bank & Trust Company vs Bank of Oak Ridge
Metric by metric
| Measure | Vermilion Bank & Trust Company | Bank of Oak Ridge |
|---|---|---|
| TellerScore | 72 | 72 |
| Capital cushion | 76 (stronger) | 66 |
| Loan quality | 28 | 100 (stronger) |
| Earnings | 94 (stronger) | 63 |
| Funding & liquidity | 97 (stronger) | 31 |
| Problem-loan coverage | 84 | 100 (stronger) |
| Peer percentile | 50th | 50th |
| Total assets | $145.5M | $138.6M |
| Deposits / shares | $126.1M | $121.8M |
| Capital ratio | 12.55% (stronger) | 11.59% |
| Problem loans | 2.17% | 0.00% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.08% |
| Return on assets | 1.84% (stronger) | 1.07% |
| Loans ÷ deposits | 54.4% (stronger) | 92.0% |
| Uninsured deposits | 18.1% (stronger) | 48.2% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Vermilion Bank & Trust Company leads on 5 and Bank of Oak Ridge on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.