Side-by-side · Q2 2026 data
American Heritage Bank vs First Oklahoma Bank
Metric by metric
| Measure | American Heritage Bank | First Oklahoma Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 61 |
| Capital cushion | 46 (stronger) | 41 |
| Loan quality | 93 (stronger) | 82 |
| Earnings | 58 (stronger) | 56 |
| Funding & liquidity | 84 (stronger) | 51 |
| Problem-loan coverage | 98 (stronger) | 90 |
| Peer percentile | 63rd | 24th |
| Total assets | $1.5B | $1.3B |
| Deposits / shares | $1.2B | $1.2B |
| Capital ratio | 9.57% (stronger) | 9.07% |
| Problem loans | 0.21% (stronger) | 0.55% |
| Net charge-offs | 0.11% | 0.07% (stronger) |
| Return on assets | 0.95% (stronger) | 0.91% |
| Loans ÷ deposits | 42.8% (stronger) | 96.7% |
| Uninsured deposits | 30.0% | 26.4% (stronger) |
| Offices | 18 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.9% |
American Heritage Bank has the higher TellerScore (71 vs 61). On the 7 directional measures above (where higher or lower is clearly better), American Heritage Bank leads on 5 and First Oklahoma Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.