Side-by-side · Q2 2026 data
Bank 7 vs The First State Bank of Pond Creek, Oklahoma
Bank
The First State Bank of Pond Creek, Oklahoma
Pond Creek, Oklahoma · Under $100 million in assets
Metric by metric
| Measure | Bank 7 | The First State Bank of Pond Creek, Oklahoma |
|---|---|---|
| TellerScore | 86 (stronger) | 83 |
| Capital cushion | 89 (stronger) | 78 |
| Loan quality | 87 | 89 (stronger) |
| Earnings | 100 (stronger) | 98 |
| Funding & liquidity | 54 | 62 (stronger) |
| Problem-loan coverage | 95 (stronger) | 83 |
| Peer percentile | 97th | 73rd |
| Total assets | $1.9B | $55.5M |
| Deposits / shares | $1.6B | $47.9M |
| Capital ratio | 13.88% (stronger) | 12.78% |
| Problem loans | 0.39% | 0.32% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.01% |
| Return on assets | 2.10% (stronger) | 1.96% |
| Loans ÷ deposits | 96.7% | 96.6% (stronger) |
| Uninsured deposits | 23.8% | 16.2% (stronger) |
| Offices | 12 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.4% | — |
Bank 7 has the higher TellerScore (86 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Bank 7 leads on 4 and The First State Bank of Pond Creek, Oklahoma on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.