Side-by-side · Q2 2026 data
Exchange Bank and Trust Company vs The Security National Bank of Enid
Metric by metric
| Measure | Exchange Bank and Trust Company | The Security National Bank of Enid |
|---|---|---|
| TellerScore | 65 | 73 (stronger) |
| Capital cushion | 58 (stronger) | 37 |
| Loan quality | 47 | 95 (stronger) |
| Earnings | 95 (stronger) | 85 |
| Funding & liquidity | 63 | 74 (stronger) |
| Problem-loan coverage | 75 | 98 (stronger) |
| Peer percentile | 29th | 53rd |
| Total assets | $428.7M | $400.4M |
| Deposits / shares | $385.9M | $366.0M |
| Capital ratio | 10.75% (stronger) | 8.74% |
| Problem loans | 1.59% | 0.14% (stronger) |
| Net charge-offs | 0.07% | -0.00% (stronger) |
| Return on assets | 1.88% (stronger) | 1.63% |
| Loans ÷ deposits | 82.6% | 63.6% (stronger) |
| Uninsured deposits | 28.2% (stronger) | 35.7% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.8% |
The Security National Bank of Enid has the higher TellerScore (73 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Exchange Bank and Trust Company leads on 3 and The Security National Bank of Enid on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.