Side-by-side · Q2 2026 data
Washita Valley Bank vs Shamrock Bank, N.A.
Metric by metric
| Measure | Washita Valley Bank | Shamrock Bank, N.A. |
|---|---|---|
| TellerScore | 52 | 79 (stronger) |
| Capital cushion | 73 (stronger) | 58 |
| Loan quality | 0 | 90 (stronger) |
| Earnings | 64 | 90 (stronger) |
| Funding & liquidity | 88 (stronger) | 77 |
| Problem-loan coverage | 43 | 96 (stronger) |
| Peer percentile | 11th | 75th |
| Total assets | $68.8M | $501.5M |
| Deposits / shares | $60.0M | $452.9M |
| Capital ratio | 12.27% (stronger) | 10.79% |
| Problem loans | 8.23% | 0.29% (stronger) |
| Net charge-offs | 3.04% | -0.01% (stronger) |
| Return on assets | 1.11% | 1.76% (stronger) |
| Loans ÷ deposits | 50.2% (stronger) | 71.3% |
| Uninsured deposits | 26.1% | 25.3% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Shamrock Bank, N.A. has the higher TellerScore (79 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Washita Valley Bank leads on 2 and Shamrock Bank, N.A. on 5. 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.