Side-by-side · Q2 2026 data
The First State Bank of Pond Creek, Oklahoma vs The State Exchange Bank
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 State Exchange Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 42 |
| Capital cushion | 78 (stronger) | 57 |
| Loan quality | 89 (stronger) | 0 |
| Earnings | 98 (stronger) | 55 |
| Funding & liquidity | 62 | 77 (stronger) |
| Problem-loan coverage | 83 (stronger) | 25 |
| Peer percentile | 73rd | 5th |
| Total assets | $55.5M | $89.6M |
| Deposits / shares | $47.9M | $78.6M |
| Capital ratio | 12.78% (stronger) | 10.65% |
| Problem loans | 0.32% (stronger) | 6.88% |
| Net charge-offs | 0.01% (stronger) | 0.57% |
| Return on assets | 1.96% (stronger) | 0.87% |
| Loans ÷ deposits | 96.6% | 77.5% (stronger) |
| Uninsured deposits | 16.2% (stronger) | 20.5% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First State Bank of Pond Creek, Oklahoma has the higher TellerScore (83 vs 42). On the 7 directional measures above (where higher or lower is clearly better), The First State Bank of Pond Creek, Oklahoma leads on 6 and The State Exchange Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.