Side-by-side · Q2 2026 data
Local Bank vs Bank of Western Oklahoma
Metric by metric
| Measure | Local Bank | Bank of Western Oklahoma |
|---|---|---|
| TellerScore | 66 | 73 (stronger) |
| Capital cushion | 64 (stronger) | 31 |
| Loan quality | 83 | 96 (stronger) |
| Earnings | 34 | 100 (stronger) |
| Funding & liquidity | 69 (stronger) | 68 |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 31st | 53rd |
| Total assets | $463.1M | $469.7M |
| Deposits / shares | $382.6M | $426.3M |
| Capital ratio | 11.35% (stronger) | 8.06% |
| Problem loans | 0.52% | 0.11% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.51% |
| Return on assets | 0.34% | 2.19% (stronger) |
| Loans ÷ deposits | 91.0% | 86.8% (stronger) |
| Uninsured deposits | 14.4% (stronger) | 20.1% |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Western Oklahoma has the higher TellerScore (73 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Local Bank leads on 3 and Bank of Western Oklahoma on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.