Side-by-side · Q2 2026 data
Bank of Western Oklahoma vs First Bank of Thomas
Metric by metric
| Measure | Bank of Western Oklahoma | First Bank of Thomas |
|---|---|---|
| TellerScore | 73 (stronger) | 64 |
| Capital cushion | 31 | 76 (stronger) |
| Loan quality | 96 (stronger) | 24 |
| Earnings | 100 (stronger) | 67 |
| Funding & liquidity | 68 | 90 (stronger) |
| Problem-loan coverage | 98 (stronger) | 84 |
| Peer percentile | 53rd | 24th |
| Total assets | $469.7M | $63.2M |
| Deposits / shares | $426.3M | $55.7M |
| Capital ratio | 8.06% | 12.63% (stronger) |
| Problem loans | 0.11% (stronger) | 2.29% |
| Net charge-offs | 0.51% | 0.00% (stronger) |
| Return on assets | 2.19% (stronger) | 1.18% |
| Loans ÷ deposits | 86.8% | 49.3% (stronger) |
| Uninsured deposits | 20.1% (stronger) | 24.0% |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Western Oklahoma has the higher TellerScore (73 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Bank of Western Oklahoma leads on 4 and First Bank of Thomas 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.