Side-by-side · Q2 2026 data
Woodlands Bank vs Quaint Oak Bank
Metric by metric
| Measure | Woodlands Bank | Quaint Oak Bank |
|---|---|---|
| TellerScore | 44 | 52 (stronger) |
| Capital cushion | 39 | 59 (stronger) |
| Loan quality | 11 | 42 (stronger) |
| Earnings | 67 (stronger) | 38 |
| Funding & liquidity | 72 (stronger) | 59 |
| Problem-loan coverage | 56 | 73 (stronger) |
| Peer percentile | 4th | 8th |
| Total assets | $640.3M | $631.5M |
| Deposits / shares | $574.2M | $556.8M |
| Capital ratio | 8.86% | 10.91% (stronger) |
| Problem loans | 2.68% | 1.73% (stronger) |
| Net charge-offs | 0.44% | 0.11% (stronger) |
| Return on assets | 1.18% (stronger) | 0.44% |
| Loans ÷ deposits | 78.5% (stronger) | 100.8% |
| Uninsured deposits | 24.2% | 12.4% (stronger) |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.4% | — |
Quaint Oak Bank has the higher TellerScore (52 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Woodlands Bank leads on 2 and Quaint Oak Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.