Side-by-side · Q2 2026 data
The First State Bank of Pond Creek, Oklahoma vs The Security National Bank of Enid
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 | The Security National Bank of Enid |
|---|---|---|
| TellerScore | 83 (stronger) | 73 |
| Capital cushion | 78 (stronger) | 37 |
| Loan quality | 89 | 95 (stronger) |
| Earnings | 98 (stronger) | 85 |
| Funding & liquidity | 62 | 74 (stronger) |
| Problem-loan coverage | 83 | 98 (stronger) |
| Peer percentile | 73rd | 53rd |
| Total assets | $55.5M | $400.4M |
| Deposits / shares | $47.9M | $366.0M |
| Capital ratio | 12.78% (stronger) | 8.74% |
| Problem loans | 0.32% | 0.14% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 1.96% (stronger) | 1.63% |
| Loans ÷ deposits | 96.6% | 63.6% (stronger) |
| Uninsured deposits | 16.2% (stronger) | 35.7% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.8% |
The First State Bank of Pond Creek, Oklahoma has the higher TellerScore (83 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The First State Bank of Pond Creek, Oklahoma leads on 4 and The Security National Bank of Enid on 3. 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.