Side-by-side · Q2 2026 data
FirstOak Bank vs The Farmers State Bank of Westmoreland
Metric by metric
| Measure | FirstOak Bank | The Farmers State Bank of Westmoreland |
|---|---|---|
| TellerScore | 75 (stronger) | 69 |
| Capital cushion | 55 | 89 (stronger) |
| Loan quality | 100 (stronger) | 32 |
| Earnings | 74 (stronger) | 64 |
| Funding & liquidity | 61 | 88 (stronger) |
| Problem-loan coverage | 100 (stronger) | 82 |
| Peer percentile | 61st | 40th |
| Total assets | $241.2M | $257.7M |
| Deposits / shares | $212.3M | $226.2M |
| Capital ratio | 10.48% | 13.88% (stronger) |
| Problem loans | 0.00% (stronger) | 2.03% |
| Net charge-offs | -0.00% (stronger) | 0.12% |
| Return on assets | 1.35% (stronger) | 1.10% |
| Loans ÷ deposits | 87.2% | 62.6% (stronger) |
| Uninsured deposits | 26.5% | 23.9% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.5% | 3.7% |
FirstOak Bank has the higher TellerScore (75 vs 69). On the 7 directional measures above (where higher or lower is clearly better), FirstOak Bank leads on 4 and The Farmers State Bank of Westmoreland on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.