Side-by-side · Q2 2026 data
FirstOak Bank vs Welch State Bank of Welch, Okla.
Metric by metric
| Measure | FirstOak Bank | Welch State Bank of Welch, Okla. |
|---|---|---|
| TellerScore | 75 | 76 (stronger) |
| Capital cushion | 55 (stronger) | 52 |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 74 | 87 (stronger) |
| Funding & liquidity | 61 | 75 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 61st | 64th |
| Total assets | $241.2M | $449.8M |
| Deposits / shares | $212.3M | $394.6M |
| Capital ratio | 10.48% (stronger) | 10.20% |
| Problem loans | 0.00% (stronger) | 0.36% |
| Net charge-offs | -0.00% (stronger) | 0.13% |
| Return on assets | 1.35% | 1.67% (stronger) |
| Loans ÷ deposits | 87.2% | 78.4% (stronger) |
| Uninsured deposits | 26.5% | 21.3% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.5% | — |
Welch State Bank of Welch, Okla. has the higher TellerScore (76 vs 75). On the 7 directional measures above (where higher or lower is clearly better), FirstOak Bank leads on 3 and Welch State Bank of Welch, Okla. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.