Side-by-side · Q2 2026 data
Bank of Western Oklahoma vs The Seiling State Bank
Metric by metric
| Measure | Bank of Western Oklahoma | The Seiling State Bank |
|---|---|---|
| TellerScore | 73 | 79 (stronger) |
| Capital cushion | 31 | 55 (stronger) |
| Loan quality | 96 | 100 (stronger) |
| Earnings | 100 (stronger) | 84 |
| Funding & liquidity | 68 | 68 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 53rd | 75th |
| Total assets | $469.7M | $195.0M |
| Deposits / shares | $426.3M | $175.2M |
| Capital ratio | 8.06% | 10.54% (stronger) |
| Problem loans | 0.11% | 0.00% (stronger) |
| Net charge-offs | 0.51% | -0.60% (stronger) |
| Return on assets | 2.19% (stronger) | 1.60% |
| Loans ÷ deposits | 86.8% | 78.3% (stronger) |
| Uninsured deposits | 20.1% (stronger) | 27.7% |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Seiling State Bank has the higher TellerScore (79 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Bank of Western Oklahoma leads on 2 and The Seiling State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.