Side-by-side · Q2 2026 data
The First State Bank vs The Peoples National Bank of Checotah
Metric by metric
| Measure | The First State Bank | The Peoples National Bank of Checotah |
|---|---|---|
| TellerScore | 58 | 91 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 29 | 82 (stronger) |
| Earnings | 100 (stronger) | 78 |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 63 | 98 (stronger) |
| Peer percentile | 16th | 96th |
| Total assets | $160.0M | $171.8M |
| Deposits / shares | $139.3M | $139.3M |
| Capital ratio | 9.93% | 16.05% (stronger) |
| Problem loans | 2.13% | 0.53% (stronger) |
| Net charge-offs | -0.05% (stronger) | 0.02% |
| Return on assets | 2.21% (stronger) | 1.45% |
| Loans ÷ deposits | 92.8% | 32.2% (stronger) |
| Uninsured deposits | 14.3% (stronger) | 15.3% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Peoples National Bank of Checotah has the higher TellerScore (91 vs 58). On the 7 directional measures above (where higher or lower is clearly better), The First State Bank leads on 3 and The Peoples National Bank of Checotah on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.