Side-by-side · Q2 2026 data
Sooner State Bank vs Kirkpatrick Bank
Metric by metric
| Measure | Sooner State Bank | Kirkpatrick Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 79 |
| Capital cushion | 78 (stronger) | 57 |
| Loan quality | 89 | 100 (stronger) |
| Earnings | 100 (stronger) | 86 |
| Funding & liquidity | 70 (stronger) | 66 |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 90th | 88th |
| Total assets | $354.6M | $1.0B |
| Deposits / shares | $311.0M | $890.2M |
| Capital ratio | 12.75% (stronger) | 10.67% |
| Problem loans | 0.33% | 0.00% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 2.06% (stronger) | 1.66% |
| Loans ÷ deposits | 73.8% (stronger) | 77.5% |
| Uninsured deposits | 29.6% (stronger) | 30.2% |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.8% | 4.5% |
Sooner State Bank has the higher TellerScore (86 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Sooner State Bank leads on 5 and Kirkpatrick Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.