Side-by-side · Q2 2026 data
First National Bank of Oklahoma vs Valliance Bank
Metric by metric
| Measure | First National Bank of Oklahoma | Valliance Bank |
|---|---|---|
| TellerScore | 66 (stronger) | 47 |
| Capital cushion | 55 (stronger) | 43 |
| Loan quality | 54 (stronger) | 47 |
| Earnings | 100 (stronger) | 45 |
| Funding & liquidity | 56 (stronger) | 43 |
| Problem-loan coverage | 76 (stronger) | 72 |
| Peer percentile | 31st | 5th |
| Total assets | $949.9M | $923.3M |
| Deposits / shares | $807.0M | $733.0M |
| Capital ratio | 10.46% (stronger) | 9.31% |
| Problem loans | 1.39% (stronger) | 1.58% |
| Net charge-offs | 0.07% | -0.10% (stronger) |
| Return on assets | 2.33% (stronger) | 0.63% |
| Loans ÷ deposits | 92.0% (stronger) | 105.3% |
| Uninsured deposits | 25.9% | 25.6% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.3% | — |
First National Bank of Oklahoma has the higher TellerScore (66 vs 47). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Oklahoma leads on 5 and Valliance Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.