First Oklahoma Bank
Jenks, OK · Cert 12484 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · First Oklahoma Holdings Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$1.3BAssets
$1.1BLoans
$1.2BDeposits
$117.2MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 51% of banks $1B-$10B in assets operating in a single state (rank 126 of 258).
- Widest gap: total risk-based capital ratio trails 99% of banks $1B-$10B in assets operating in a single state (rank 256 of 258).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.88%
Rank 201 of 258
Net Interest Margin
3.50%
Rank 126 of 258
Efficiency Ratio
64.17%
Rank 168 of 257
Equity / Assets
8.77%
Rank 211 of 258
Non-interest income vs. expense
Unfavorable gap of $27.3M · efficiency ratio beats 35% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.88% | 0.93% | 1.23% | 1.54% | Beats 22% | 201 / 258 | |
| Return on Equity | 10.00% | 9.26% | 11.84% | 14.74% | Beats 33% | 174 / 258 | |
| Net Interest Margin | 3.50% | 3.16% | 3.49% | 3.88% | Beats 51% | 126 / 258 | |
| Efficiency Ratio | 64.17% | 51.71% | 60.30% | 69.65% | Beats 35% | 168 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.55% | 0.19% | 0.46% | 0.90% | Beats 39% | 158 / 258 | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.02% | 0.07% | Beats 38% | 162 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 9.07% | 11.41% | 12.98% | 15.12% | Beats 1% | 256 / 258 | |
| Total Risk-Based Capital Ratio | 9.07% | 12.10% | 13.91% | 16.08% | Beats 1% | 256 / 258 | |
| Equity / Assets | 8.77% | 9.09% | 10.24% | 11.72% | Beats 18% | 211 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 97.58% | 73.24% | 86.34% | 95.95% | 81st pctl | 50 / 258 | |
| Loans / Assets | 85.90% | 63.01% | 72.27% | 78.40% | 95th pctl | 12 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |