Side-by-side · Q2 2026 data
Waldo State Bank vs Oakwood Bank
Metric by metric
| Measure | Waldo State Bank | Oakwood Bank |
|---|---|---|
| TellerScore | 47 | 62 (stronger) |
| Capital cushion | 53 (stronger) | 35 |
| Loan quality | 19 | 72 (stronger) |
| Earnings | 47 | 81 (stronger) |
| Funding & liquidity | 68 (stronger) | 58 |
| Problem-loan coverage | 64 | 88 (stronger) |
| Peer percentile | 5th | 22nd |
| Total assets | $154.2M | $156.4M |
| Deposits / shares | $127.4M | $123.9M |
| Capital ratio | 10.28% (stronger) | 8.48% |
| Problem loans | 2.44% | 0.84% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 0.68% | 1.53% (stronger) |
| Loans ÷ deposits | 92.1% (stronger) | 102.3% |
| Uninsured deposits | 9.1% (stronger) | 14.6% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Oakwood Bank has the higher TellerScore (62 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Waldo State Bank leads on 4 and Oakwood Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.