Side-by-side · Q2 2026 data
Bank of Western Oklahoma vs Bank of Hydro
Metric by metric
| Measure | Bank of Western Oklahoma | Bank of Hydro |
|---|---|---|
| TellerScore | 73 | 76 (stronger) |
| Capital cushion | 31 | 66 (stronger) |
| Loan quality | 96 (stronger) | 79 |
| Earnings | 100 | 100 |
| Funding & liquidity | 68 (stronger) | 52 |
| Problem-loan coverage | 98 (stronger) | 90 |
| Peer percentile | 53rd | 64th |
| Total assets | $469.7M | $180.8M |
| Deposits / shares | $426.3M | $156.9M |
| Capital ratio | 8.06% | 11.56% (stronger) |
| Problem loans | 0.11% (stronger) | 0.64% |
| Net charge-offs | 0.51% | -0.05% (stronger) |
| Return on assets | 2.19% | 2.70% (stronger) |
| Loans ÷ deposits | 86.8% (stronger) | 102.0% |
| Uninsured deposits | 20.1% (stronger) | 20.8% |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Hydro has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Bank of Western Oklahoma leads on 3 and Bank of Hydro on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.