Side-by-side · Q2 2026 data
SpiritBank vs First National Bank of Oklahoma
Metric by metric
| Measure | SpiritBank | First National Bank of Oklahoma |
|---|---|---|
| TellerScore | 63 | 66 (stronger) |
| Capital cushion | 43 | 55 (stronger) |
| Loan quality | 71 (stronger) | 54 |
| Earnings | 54 | 100 (stronger) |
| Funding & liquidity | 87 (stronger) | 56 |
| Problem-loan coverage | 88 (stronger) | 76 |
| Peer percentile | 24th | 31st |
| Total assets | $912.8M | $949.9M |
| Deposits / shares | $819.2M | $807.0M |
| Capital ratio | 9.30% | 10.46% (stronger) |
| Problem loans | 0.86% (stronger) | 1.39% |
| Net charge-offs | 0.29% | 0.07% (stronger) |
| Return on assets | 0.86% | 2.33% (stronger) |
| Loans ÷ deposits | 73.7% (stronger) | 92.0% |
| Uninsured deposits | 14.6% (stronger) | 25.9% |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | 1.3% |
First National Bank of Oklahoma has the higher TellerScore (66 vs 63). On the 7 directional measures above (where higher or lower is clearly better), SpiritBank leads on 3 and First National Bank of Oklahoma on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.