Side-by-side · Q2 2026 data
The First National Bank & Trust vs Bank of Western Oklahoma
Metric by metric
| Measure | The First National Bank & Trust | Bank of Western Oklahoma |
|---|---|---|
| TellerScore | 88 (stronger) | 73 |
| Capital cushion | 81 (stronger) | 31 |
| Loan quality | 81 | 96 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 96 (stronger) | 68 |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 92nd | 53rd |
| Total assets | $294.0M | $469.7M |
| Deposits / shares | $265.0M | $426.3M |
| Capital ratio | 13.09% (stronger) | 8.06% |
| Problem loans | 0.56% | 0.11% (stronger) |
| Net charge-offs | -0.05% (stronger) | 0.51% |
| Return on assets | 2.12% | 2.19% (stronger) |
| Loans ÷ deposits | 57.1% (stronger) | 86.8% |
| Uninsured deposits | 19.1% (stronger) | 20.1% |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank & Trust has the higher TellerScore (88 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank & Trust leads on 5 and Bank of Western Oklahoma on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Elk City, OK