Side-by-side · Q2 2026 data
Dream First Bank, National Association vs Wisdom Heritage Bank
Metric by metric
| Measure | Dream First Bank, National Association | Wisdom Heritage Bank |
|---|---|---|
| TellerScore | 55 | 78 (stronger) |
| Capital cushion | 47 | 92 (stronger) |
| Loan quality | 38 | 57 (stronger) |
| Earnings | 63 | 63 |
| Funding & liquidity | 79 | 95 (stronger) |
| Problem-loan coverage | 73 | 90 (stronger) |
| Peer percentile | 11th | 72nd |
| Total assets | $963.7M | $601.3M |
| Deposits / shares | $850.4M | $505.8M |
| Capital ratio | 9.69% | 14.22% (stronger) |
| Problem loans | 1.86% | 1.28% (stronger) |
| Net charge-offs | 0.13% | -0.09% (stronger) |
| Return on assets | 1.07% (stronger) | 1.06% |
| Loans ÷ deposits | 76.9% | 59.4% (stronger) |
| Uninsured deposits | 18.7% (stronger) | 19.3% |
| Offices | 13 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Wisdom Heritage Bank has the higher TellerScore (78 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Dream First Bank, National Association leads on 2 and Wisdom Heritage Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Alva, OK
- Enid, OK