Side-by-side · Q2 2026 data
The City National Bank and Trust Company of Lawton, Oklahoma vs The Valley State Bank
Bank
The City National Bank and Trust Company of Lawton, Oklahoma
Lawton, Oklahoma · $100 million – $1 billion
Metric by metric
| Measure | The City National Bank and Trust Company of Lawton, Oklahoma | The Valley State Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 78 |
| Capital cushion | 89 (stronger) | 72 |
| Loan quality | 85 | 97 (stronger) |
| Earnings | 86 (stronger) | 42 |
| Funding & liquidity | 74 | 92 (stronger) |
| Problem-loan coverage | 64 | 98 (stronger) |
| Peer percentile | 84th | 72nd |
| Total assets | $446.2M | $200.5M |
| Deposits / shares | $373.9M | $174.0M |
| Capital ratio | 13.87% (stronger) | 12.18% |
| Problem loans | 0.45% | 0.09% (stronger) |
| Net charge-offs | 0.61% (stronger) | 1.24% |
| Return on assets | 1.66% (stronger) | 0.55% |
| Loans ÷ deposits | 79.2% | 62.1% (stronger) |
| Uninsured deposits | 21.6% | 20.8% (stronger) |
| Offices | 39 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 41.3% | 18.6% |
The City National Bank and Trust Company of Lawton, Oklahoma has the higher TellerScore (83 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The City National Bank and Trust Company of Lawton, Oklahoma leads on 4 and The Valley State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.