Side-by-side · Q2 2026 data
First Bank of Thomas vs Oklahoma State Bank
Metric by metric
| Measure | First Bank of Thomas | Oklahoma State Bank |
|---|---|---|
| TellerScore | 64 | 69 (stronger) |
| Capital cushion | 76 (stronger) | 54 |
| Loan quality | 24 | 51 (stronger) |
| Earnings | 67 | 100 (stronger) |
| Funding & liquidity | 90 (stronger) | 81 |
| Problem-loan coverage | 84 (stronger) | 81 |
| Peer percentile | 24th | 37th |
| Total assets | $63.2M | $66.7M |
| Deposits / shares | $55.7M | $59.5M |
| Capital ratio | 12.63% (stronger) | 10.36% |
| Problem loans | 2.29% | 1.47% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.10% |
| Return on assets | 1.18% | 2.88% (stronger) |
| Loans ÷ deposits | 49.3% (stronger) | 78.9% |
| Uninsured deposits | 24.0% | 13.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Oklahoma State Bank has the higher TellerScore (69 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First Bank of Thomas leads on 3 and Oklahoma State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.