Side-by-side · Q2 2026 data
FirstOak Bank vs First National Bank in Fredonia
Metric by metric
| Measure | FirstOak Bank | First National Bank in Fredonia |
|---|---|---|
| TellerScore | 75 | 87 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 100 (stronger) | 79 |
| Earnings | 74 | 76 (stronger) |
| Funding & liquidity | 61 | 81 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 61st | 91st |
| Total assets | $241.2M | $104.4M |
| Deposits / shares | $212.3M | $92.5M |
| Capital ratio | 10.48% | 16.73% (stronger) |
| Problem loans | 0.00% (stronger) | 0.63% |
| Net charge-offs | -0.00% | -0.46% (stronger) |
| Return on assets | 1.35% | 1.41% (stronger) |
| Loans ÷ deposits | 87.2% | 31.8% (stronger) |
| Uninsured deposits | 26.5% (stronger) | 32.3% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.5% | — |
First National Bank in Fredonia has the higher TellerScore (87 vs 75). On the 7 directional measures above (where higher or lower is clearly better), FirstOak Bank leads on 2 and First National Bank in Fredonia on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Fredonia, KS