Side-by-side · Q2 2026 data
The First State Bank of Pond Creek, Oklahoma vs Farmers State Bank, Allen, Oklahoma
Bank
The First State Bank of Pond Creek, Oklahoma
Pond Creek, Oklahoma · Under $100 million in assets
Metric by metric
| Measure | The First State Bank of Pond Creek, Oklahoma | Farmers State Bank, Allen, Oklahoma |
|---|---|---|
| TellerScore | 83 | 86 (stronger) |
| Capital cushion | 78 | 85 (stronger) |
| Loan quality | 89 (stronger) | 80 |
| Earnings | 98 | 100 (stronger) |
| Funding & liquidity | 62 | 76 (stronger) |
| Problem-loan coverage | 83 | 94 (stronger) |
| Peer percentile | 73rd | 81st |
| Total assets | $55.5M | $57.2M |
| Deposits / shares | $47.9M | $48.6M |
| Capital ratio | 12.78% | 13.52% (stronger) |
| Problem loans | 0.32% (stronger) | 0.61% |
| Net charge-offs | 0.01% | 0.01% (stronger) |
| Return on assets | 1.96% | 2.17% (stronger) |
| Loans ÷ deposits | 96.6% | 82.6% (stronger) |
| Uninsured deposits | 16.2% (stronger) | 16.8% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank, Allen, Oklahoma has the higher TellerScore (86 vs 83). On the 7 directional measures above (where higher or lower is clearly better), The First State Bank of Pond Creek, Oklahoma leads on 2 and Farmers State Bank, Allen, Oklahoma on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.