Side-by-side · Q2 2026 data
First National Bank of Oklahoma vs F&M Bank
Metric by metric
| Measure | First National Bank of Oklahoma | F&M Bank |
|---|---|---|
| TellerScore | 66 | 71 (stronger) |
| Capital cushion | 55 (stronger) | 50 |
| Loan quality | 54 | 88 (stronger) |
| Earnings | 100 (stronger) | 70 |
| Funding & liquidity | 56 | 68 (stronger) |
| Problem-loan coverage | 76 | 95 (stronger) |
| Peer percentile | 31st | 47th |
| Total assets | $949.9M | $915.3M |
| Deposits / shares | $807.0M | $799.0M |
| Capital ratio | 10.46% (stronger) | 10.00% |
| Problem loans | 1.39% | 0.36% (stronger) |
| Net charge-offs | 0.07% (stronger) | 1.85% |
| Return on assets | 2.33% (stronger) | 1.24% |
| Loans ÷ deposits | 92.0% | 81.1% (stronger) |
| Uninsured deposits | 25.9% | 25.1% (stronger) |
| Offices | 4 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.3% | 3.9% |
F&M Bank has the higher TellerScore (71 vs 66). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Oklahoma leads on 3 and F&M Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.