Side-by-side · Q2 2026 data
The First State Bank of Pond Creek, Oklahoma vs First Bank and Trust Company
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 | First Bank and Trust Company |
|---|---|---|
| TellerScore | 83 | 96 (stronger) |
| Capital cushion | 78 | 100 (stronger) |
| Loan quality | 89 | 99 (stronger) |
| Earnings | 98 (stronger) | 93 |
| Funding & liquidity | 62 | 81 (stronger) |
| Problem-loan coverage | 83 | 100 (stronger) |
| Peer percentile | 73rd | 97th |
| Total assets | $55.5M | $58.2M |
| Deposits / shares | $47.9M | $47.1M |
| Capital ratio | 12.78% | 16.68% (stronger) |
| Problem loans | 0.32% | 0.02% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.96% (stronger) | 1.83% |
| Loans ÷ deposits | 96.6% | 44.5% (stronger) |
| Uninsured deposits | 16.2% (stronger) | 32.5% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Bank and Trust Company has the higher TellerScore (96 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 First Bank and Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.