Side-by-side · Q2 2026 data
First Oklahoma Bank vs Sovereign Bank
Metric by metric
| Measure | First Oklahoma Bank | Sovereign Bank |
|---|---|---|
| TellerScore | 61 | 64 (stronger) |
| Capital cushion | 41 | 53 (stronger) |
| Loan quality | 82 | 98 (stronger) |
| Earnings | 56 (stronger) | 45 |
| Funding & liquidity | 51 (stronger) | 28 |
| Problem-loan coverage | 90 | 99 (stronger) |
| Peer percentile | 24th | 33rd |
| Total assets | $1.3B | $1.5B |
| Deposits / shares | $1.2B | $1.2B |
| Capital ratio | 9.07% | 10.29% (stronger) |
| Problem loans | 0.55% | 0.06% (stronger) |
| Net charge-offs | 0.07% | -0.00% (stronger) |
| Return on assets | 0.91% (stronger) | 0.63% |
| Loans ÷ deposits | 96.7% (stronger) | 99.7% |
| Uninsured deposits | 26.4% (stronger) | 44.8% |
| Offices | 3 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.9% | 1.9% |
Sovereign Bank has the higher TellerScore (64 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First Oklahoma Bank leads on 3 and Sovereign Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.