Side-by-side · Q2 2026 data
The First National Bank & Trust vs InterBank
Metric by metric
| Measure | The First National Bank & Trust | InterBank |
|---|---|---|
| TellerScore | 88 (stronger) | 62 |
| Capital cushion | 81 (stronger) | 61 |
| Loan quality | 81 (stronger) | 48 |
| Earnings | 100 | 100 |
| Funding & liquidity | 96 (stronger) | 28 |
| Problem-loan coverage | 94 (stronger) | 78 |
| Peer percentile | 92nd | 27th |
| Total assets | $294.0M | $5.3B |
| Deposits / shares | $265.0M | $4.6B |
| Capital ratio | 13.09% (stronger) | 11.06% |
| Problem loans | 0.56% (stronger) | 1.56% |
| Net charge-offs | -0.05% (stronger) | 0.01% |
| Return on assets | 2.12% | 3.22% (stronger) |
| Loans ÷ deposits | 57.1% (stronger) | 103.2% |
| Uninsured deposits | 19.1% (stronger) | 41.0% |
| Offices | 3 | 40 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.3% |
The First National Bank & Trust has the higher TellerScore (88 vs 62). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank & Trust leads on 6 and InterBank on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Elk City, OK
- Sayre, OK