Side-by-side · Q2 2026 data
First Oklahoma Bank vs Kirkpatrick Bank
Metric by metric
| Measure | First Oklahoma Bank | Kirkpatrick Bank |
|---|---|---|
| TellerScore | 61 | 79 (stronger) |
| Capital cushion | 41 | 57 (stronger) |
| Loan quality | 82 | 100 (stronger) |
| Earnings | 56 | 86 (stronger) |
| Funding & liquidity | 51 | 66 (stronger) |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 24th | 88th |
| Total assets | $1.3B | $1.0B |
| Deposits / shares | $1.2B | $890.2M |
| Capital ratio | 9.07% | 10.67% (stronger) |
| Problem loans | 0.55% | 0.00% (stronger) |
| Net charge-offs | 0.07% | 0.00% (stronger) |
| Return on assets | 0.91% | 1.66% (stronger) |
| Loans ÷ deposits | 96.7% | 77.5% (stronger) |
| Uninsured deposits | 26.4% (stronger) | 30.2% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.9% | 4.5% |
Kirkpatrick Bank has the higher TellerScore (79 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First Oklahoma Bank leads on 1 and Kirkpatrick Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.