State Exchange Bank, The
Lamont, OK · Cert 13551 · Peer group: banks under $1B in assets in OK (n=87-88) · State Exchange Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$89.6MAssets
$62.7MLoans
$78.6MDeposits
$9.7MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 47% of banks under $1B in assets in OK (rank 47 of 88).
- Widest gap: net charge-offs / loans trails 97% of banks under $1B in assets in OK (rank 85 of 87).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.71%
Rank 70 of 88
Net Interest Margin
3.69%
Rank 57 of 88
Efficiency Ratio
67.51%
Rank 59 of 88
Equity / Assets
10.88%
Rank 47 of 88
Non-interest income vs. expense
Unfavorable gap of $2.2M · efficiency ratio beats 34% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.71% | 0.85% | 1.26% | 1.62% | Beats 20% | 70 / 88 | | |
| Return on Equity | 6.54% | 7.40% | 11.89% | 14.66% | Beats 20% | 70 / 88 | | |
| Net Interest Margin | 3.69% | 3.51% | 3.93% | 4.47% | Beats 35% | 57 / 88 | | |
| Efficiency Ratio | 67.51% | 54.70% | 61.50% | 71.28% | Beats 34% | 59 / 88 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 6.88% | 0.30% | 0.82% | 2.25% | Beats 6% | 83 / 87 | | |
| Net Charge-Offs / Loans | 1.17% | 0.00% | 0.03% | 0.20% | Beats 3% | 85 / 87 | | |
| Capital |
| Tier 1 Capital Ratio | 10.65% | 10.89% | 13.04% | 16.40% | Beats 17% | 73 / 88 | | |
| Total Risk-Based Capital Ratio | 10.65% | 11.20% | 13.09% | 16.43% | Beats 15% | 75 / 88 | | |
| Equity / Assets | 10.88% | 9.26% | 10.95% | 13.63% | Beats 47% | 47 / 88 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.80% | 60.39% | 72.27% | 84.01% | 63rd pctl | 32 / 87 | | |
| Loans / Assets | 69.99% | 52.51% | 63.37% | 71.46% | 65th pctl | 31 / 88 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |