Side-by-side · Q2 2026 data
Bank of Western Oklahoma vs Farmers and Merchants Bank
Metric by metric
| Measure | Bank of Western Oklahoma | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 73 | 85 (stronger) |
| Capital cushion | 31 | 80 (stronger) |
| Loan quality | 96 (stronger) | 86 |
| Earnings | 100 (stronger) | 82 |
| Funding & liquidity | 68 | 86 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 53rd | 78th |
| Total assets | $469.7M | $80.3M |
| Deposits / shares | $426.3M | $69.9M |
| Capital ratio | 8.06% | 13.00% (stronger) |
| Problem loans | 0.11% (stronger) | 0.42% |
| Net charge-offs | 0.51% (stronger) | 0.82% |
| Return on assets | 2.19% (stronger) | 1.56% |
| Loans ÷ deposits | 86.8% | 34.4% (stronger) |
| Uninsured deposits | 20.1% (stronger) | 27.8% |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Bank has the higher TellerScore (85 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Bank of Western Oklahoma leads on 4 and Farmers and Merchants Bank 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.